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

I've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are XXXX accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.
Product: Student loan

I am currently in a rehab program on  XXXX  of my student loans. I was told the  XXXX  loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the  XXXX  loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX  XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor
Product: Credit card or prepaid card

In between the months of XX/XX/XXXX to XXXX of XXXX, Credit Karma has been sending ( emailing and notifications from their website ) stating that I was pre-approved for five credit cards and two personal loans. I applied for these items and got denied each time. I have been very stressed out because Credit Karma has been sending me a lot of emails and at those times I really really needed the money and I was under duress. This has caused harm to my character and has greatly affected my mode of living. Pulling my credit and applying for these credit card companies has really affected my credit score as it dropped each time I applied.
Product: Mortgage

I have been trying to get help keeping my home, specialized loan servicing wont help me, I called and spoke to a associate today XX/XX/XXXX and they told me to apply for unemployment forbearance, I was working when I was diagnosed with my XXXX XXXX. I had to quit my job XX/XX/year> I get XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. The associate said that my investor allows unemployment forbearance. I am asking for a 4 month unemployment forbearance. In 4 months I can bring my account current. I am still on XXXX XXXX and I am still XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to bring my account current.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy
Product: Debt collection

Capital Accounts called me to attempt to collect a debt ( medical ) in the amount of {$930.00} on Friday, XX/XX/2018.I explained to the debt collector that I will speak to the creditor directly, because I have enough evidence to support my case to ensure I do not owe this amount. Furthermore, she should cease/ stop calling me because she should contact who she purchased this account from. I would be disputing this matter immediately with their office. She decided to follow up with an email which i disregarded and spoke directly with the Creditor and scheduled an appointment. Today, XX/XX/2018 I receive another call from Capital Accounts from the same individual who says she will not honor my cease communication request because it wasn't done in writing. Additionally, with a very condescending tone she asked why hasn't the creditor ( Capital Account 's Client ) hasn't reached out to them. I told her I would not know and I wanted her to stop calling me immediately. I feel that this company is not following FDCPA regulations and is not investigating debt matters the way other debt collection agency/firms tend to do.
Product: Checking or savings account

Greetings on XX/XX/XXXX I received a call from the Wells Fargo fraud department stating that someone name XXXX was trying to XXXX XXXX dollars from my account and asked me if I knew the person or authorized the transaction and my answer was no. She advised me to go in to the local branch and I did the next day XX/XX/XXXX. I get there and she explained my account Wells Fargo gives me a provisional credit for XXXX even though I have filed no disputes and then magically the XXXX is XXXX to someone whom I dont even know upon researching my account they could clearly see XXXX never has been on my account, because I dont use it yet they are denying me the refund of my XXXX. This is also the same person they sent me an email about that tried to get XXXX from my account but it was magically canceled before they could do so. I kept calling them and final they said the claim was denied so here is someone that tried to get XXXX then XXXX but successfully got XXXX I am not understanding and the bank seemed to not care what if it was them.
Product: Credit reporting or other personal consumer reports

I disputed an Open Child support case thats on my credit report. Bureaus failed to remove it. Child has been emancipated for several years. No payments are owed.
Product: Student loan

The XXXX XXXX XXXX XXXX Loan ( Sallie Mae Bank ) for the enrollment period of XX/XX/XXXX to XX/XX/XXXX has been discharge through bankruptcy. The XXXX XXXX for XXXX XXXX University closed in XX/XX/XXXX. This located was the only option for XXXX students in which the school lost the XXXX accreditation and XXXX students were left with finding alternative solutions without their credits transferring. Sallie Mae Bank is trying to recover funds being both parties have been listed in discharge and filed in XXXX ( please see attached paperwork ). XXXX XXXX University has accepted this discharge and student is no longer liable for tuition, fees, any and all educational funds. Please advise the justification on why Sallie Mae is trying to recover these funds and not following the Bankruptcy code.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( BLOCK , INC ) due to inadequate customer service and unfair practice, which violate the consumer financial protection act. Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account very vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

My consumer transaction report has been tarnished due to Monterey Collection services. I have been called multiple times harassed by their call center or reps about an alleged debt. violation of XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX without prior consent. Violation of XXXX XXXX XXXX : Harass and oppressive use of XXXX about an alleged debt. I have not ever signed a contract with XXXX XXXX XXXX which is a violation of XXXX XXXX XXXX ( XXXX ) Attempting to collect a debt unauthorized by an agreement between parties. Then this alleged debt has caused me to lose out on employment opportunity as well as home ownership, a violation of XXXX XXXX XXXX. Lastly, as a law abiding fedeerally protected consumer I was not given the opportunity to validate this debt and even sent off papers certified mail asking for these phone calls to stop, as they were harassing myself as well for XXXX to send me information regarding this deby. I have not received a reply from XXXX which is a violation XXXX XXXX XXXX ( a ) ( XXXX ), certifiable validation and verification of alleged debt.As the original creditor of any debt, I do not validate this debt and demand it be removed from my consumer transaction report immediately.
Product: Student loan

I am a veteran of the XXXX military and I have student debt mainly from XXXX. I read about the lawsuit between the XXXX XXXX XXXX XXXX and Navient and want to tell my story. I started repaying my student loans through XXXX when I graduated University in XX/XX/XXXX by auto-drafting from my bank account. I have never missed or been late on XXXX single payment and remain in good standing with my loans. In the summer of XX/XX/XXXX, Navient ( after XXXX split ) my loan service provider unexpectedly and without my consent changed my monthly payment amount and automatically had me pay a significantly lower monthly amount while simultaneously extending the payment term dates in order to generate more interest profits for the company. Once again they did this and did not disclose they had done so ; I reviewed my online account and noticed the change myself. Navient never sent me any request for this change. I contacted the company by telephone and asked them how they could possibly alter my payment agreement without my consent. They stated that they were trying to save me money by reducing my monthly payment. I explained that this would not save me money, but increase my interest payment by extending the term of my loans. I had them alter the payment back to the previous payment schedule with a slight increase in principle payment in order to close the loan out faster. I never received an amoritization schedule and do not know if the multiple changes performed to the account ever created any principal balance errors. This covert action has probably happened to millions of other student loans potentially generating millions if not billions of dollars for Navient, who is supposed to simply service our loans to the contracts subscribed. At this point I had been paying my loans for XXXX years when they attempted to cheat me. They may have even cheated me previously under XXXX and I may not be aware. Need to watch this company like a hawk as they have no moral compass. Please contact me if you would like to speak or include this information in the lawsuitXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Experian, XXXX and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX  or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.
Product: Vehicle loan or lease

I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!
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. 

Account Name : 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 and list of Inquiries. 

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.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$19000.00}
Product: Mortgage

I bought my home on XXXX XXXX 2017. At the time of purchase, I did not have the money to make the 20 % down payment as my accounts were frozen because of divorce. In just a little over a months time ( XXXX XXXX 2017 ), my accounts were unfrozen and hence, was able to make an additional payment that brought down my LTV to less than 80 %. 

I have sent multiple requests to My Loan Care ( my mortgage company ) and every time they deny my request. At first, they wanted to get the appraisal done ( note the request to cancel PMI was made one month after the actual purchase of home ). The appraisal was already done when the house was purchased a month ago. Value of the house is not expected to change drastically in 1 month yet, I let them get the appraisal done. After the appraisal was done, I was told on the phone that the loan was not seasoned for 6 months so, PMI can not be canceled. Their website does not share any such information. All the website says is the request to cancel PMI can be made if you have a good payment history and the LTV has : Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ) ..
Actually reaches 80 % of the original value of the property. This information is available at the link below : https : //www.myloancare.com/XXXX XXXX XXXX I have tried resolving this matter by talking to them on the phone multiple times and have not received any co-operation or assistance in this matter
Product: Debt collection

I was never informed of any debit prior to calling me, the debit is not mine and I informed XXXX XXXX at NCC Business Services XXXX extension XXXX of this fact when the first call was made on XXXX/XXXX/15 at XXXX. Subsequently I was called XXXX more times in violation of federal law. This is not my debit. They have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act By Law Everything has to be 100 % accurate on my credit report 15 USC 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX TransUnion stated my accounts was properly investigated but how is that possible if the report date is inaccurate, the date last active is inaccurate date open is inaccurate ( see attachments ). This ground for removal. They also violated my rights under : 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN HAVE CONSISTENTLY REPORTED INACCURATE NAMES AND ADDRESSES. HERE ARE THE FOLLOWING INACCURACIES THAT ARE STILL SHOWING ON MY REPORT : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into the XXXX XXXX sometime in XXXX of XXXX. I signed a lease. That following year, sometime after the pandemic hit, I was having financial difficulties and fell behind on my rent, in the amount of aprox XXXX. I was being threatened that I would be evicted. I reached out to several agencies to apply for help. One agency in particular said they would help. XXXX XXXX I let the property manager know. ( XXXX XXXX ) After the agency paid the balance on my behalf, I regained a positive rent balance. A year later, At one point, I was deciding on moving in with a family member to share the financial responsibilities. So I let the office manager ( XXXX XXXX ) know that I wasnt ready to sign a lease for another year just yet. So she started charging me a month to month rental amount, which was XXXX. Which also included a fee of an extra XXXX. In total that was a XXXX monthly rent amount for a one bedroom apartment. 
( And the complex had a bad roach  problem. ) Knowing that amount was too steep for me, I decided to go ahead and sign the new lease. This is where the drama started. I let XXXX know I was ready to sign the lease, she said she would put it in my door ( as she did with all paperwork ) and for me to sign and bring back to the office. She never put it in my door. I emailed her several times about the lease, stopped by the office to sign the lease to no avail, she wasnt there. Never received the lease. She continued to charge me the XXXX a month amount. So I fell behind on the rent. But not the amount she is claiming and reported to the company who reported to my credit report. I reached out to XXXX again. I contacted XXXX numerous of times by phone / email and stopping by the office to get the new lease and also get the correct amount that I owe so I could pay. ( I have proof ) She just kept saying that the agency would pay it, dont worry about it. So, the agency, indeed was going to pay it. But XXXX didnt send in the paperwork needed for them to pay it. And also some paperwork she sent in didnt have my name on it, ( I have proof ) so the company denied my request for help. So, she would never give me the correct amount, never would give me the new lease to sign and she kept overcharging me that ridiculous XXXX a month. I decided to move, I was afraid of being evicted. I moved out in XX/XX/XXXX. She was XXXX that I moved and reported a bogus amount that I owed ( over XXXX dollars ) to this collections company, who then reported to my credit report. Causing me to be XXXX. I believe she price gauged my rent in attempt for me to get the agency to pay it so she could pocket some of the money. Thats why she was XXXX when I moved, because her plan didnt work.