23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.
Product: Credit reporting or other personal consumer reports

I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action.

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible.

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation.

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Debt collection

I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name. 
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.

3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Experian cause I have tried to call on several occasions cause I had a few issues on my file. One of them being Identity theft and the other being that one of my creditors that I paid off has not reported my account as paid in full and its still showing a balance even though I paid them of last year. 

I called in and spoke to a rep and explained that my account with XXXX credit union account number XXXX its still showing a balance of {$2200.00} and I paid it off on XXXX. 

Then I also had an Identity theft issue where my personal information was used to open an installment loan with XXXX XXXX  XXXX XXXX Account number XXXX which this account was opened fraudulently due to identity theft I filed an identity theft Affidavit with the FTC on XX/XX/2022 along with other accounts listed on my FTC Affidavit as well that are no longer reporting with Experian. Apparently I got a notification that my dispute was started but I believe that the representative that I spoke to put the Fraud Account with Enterprise in dispute as if it was incorrect balance showing and never put the dispute for my account with XXXX XXXX XXXX that is valid in dispute I also am attaching the FTC Report I filed to try to resolve this fraud account and remove it from my file
Product: Mortgage

I'm recently going through financial hardship due to the rise in utility bills and personal finances ( car insurances, baby supplies ). I fell behind on my mortgage 5 months and when I contacted Rocket Mortgage about how much I owed. They told that my house was up for Foreclosure. We got a letter in the mail on XX/XX/XXXX but was dated for XX/XX/2022. With the amount due. But when I chatted with someone around XX/XX/XXXX thats when I found out that the house was going to foreclosure. They told me that my only option was to pay the total amount due to get my mortgage reinstated of an amount of about XXXX XXXX I later found out that we could sign up for an application for success. Not sure what options I have after that because they have not given a date for the foreclosure. Also what are my options to keep my house and mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX  beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE DISPUTED THE BALANCE WITH BOTH SALLIE MAE AND XXXX BUT THEY JUST BLAME THE OTHER.
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 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

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Vehicle loan or lease

I was on unpaid maternity leave in early XXXX after having my son on XX/XX/XXXX. I tried to contact wells fargo about help with my payments. They refused and closed my auto loan. I tried to get my vehicle refinanced with no luck due to being on XXXX leave and having no income at the time. Wells Fargo closed my auto loan in XX/XX/XXXX and the hard inquires on my credit report due to trying to refinance my vehicle caused my XXXX XXXX to drop drastically. I did not get any response from wells fargo. No phone calls, no emails, no mail. My car was repossessed on XX/XX/XXXX. I could not afford to pay the loan off in full in order to get my vehicle back and cleaned out my belongings. I still have no response from wells fargo regarding the status of my vehicle, whether it was sold or not. The balance is still on my credit report. I tried to purchase a new vehicle, but was denied by every bank due to my credit score still being very low since Wells Fargo closed my auto loan.
Product: Credit reporting or other personal consumer reports

Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has ov

er 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the Companies/Organizations stated below regarding unauthorized inquiries and the misuse of my credit report. I believe that this company has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in investigating and resolving this matter. 

The details of the unauthorized inquiries and misuse of my credit report are as follows : 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 Unauthorized Inquiries : On the dates stated above, I discovered that the Companies/Organizations stated above had made unauthorized inquiries into my credit report without my knowledge or consent. These inquiries were conducted without any permissible purpose under the FCRA. I have attached copies of my credit reports that clearly indicate the unauthorized inquiries made by the company. 

Misuse of Credit Report : Furthermore, I have reason to believe that the Companies/Organizations has misused my credit report by accessing it for reasons unrelated to any legitimate business transactions or as required by law. This constitutes a violation of my privacy rights and is in direct contravention of the FCRA provisions. I have not engaged in any business dealings or transactions with this company that would justify their access to my credit report.
Product: Checking or savings account

I am a long term customer with Navy Federal Credit Union. I am also ex military. This poses some issues because often military wives network hires and friends sometimes play with service-members accounts. my ACH drafts from my account keep being blocked internally from someone working at the bank intentionally so that my account will then owe funds to the bank for the payments not going through, so they can then INTENTIONALLY PULL FROM MY SAVINGS ACCOUNT FRAUDULENTLY. THIS HAS BEEN GOING ON FROM XX/XX/XXXX TO XX/XX/XXXX. MY BANK IS ANTICIPATING A DEPOSIT AND I TRYING TO STEAL OR PULL MONEY PREMATURELY FROM IN FRADULENTLY. I want my bank accounts to be serviced under fair practices that are non-discriminatory in nature. I have a checking and savings account with this bank. Corruption at the XXXX location is on a community level and should be monitored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2015 CREDIT ACCEPTANCE CORP furnished a loan under account number XXXX with a balance of {$4200.00}. In addition to that, they have violated my FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) consumer rights ( XXXX ) False or Misleading Representations ; I have disputed this account due to their inaccurate reporting in which they were asked to produce an original copy of the document bearing my signature stating that I'm indebted to them and they have not ; in addition to that, the FTC ( FEDERAL TRADES COMMISSION ) stated that abbreviating or truncating information of any kind is considered inaccurate and unverifiable in which the FCRA ( FAIR CREDIT REPORTING ACT ) states an account shall be removed if it is considered Inaccurate, Unfair, or Unverifiable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have no connection to these inquiries, nor do I have any affiliation with the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the Please remove and block the false accounts being reported on my credit report. This needs to be done immediately.incorrect details from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report, specifically regarding late payment information. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness and financial standing. 

I have identified that this account erroneously reports late payments. However, I have maintained a consistent payment history and have not been late on any payments during the mentioned periods. This inaccurate reporting is damaging my credit score and financial reputation, which may impact my ability to obtain credit in the future.

Furthermore, I believe these inaccuracies may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by [ Creditor 's Name ] to your agency is demonstrably inaccurate, as evidenced by my records and payment history.

2. Section 611 ( a ) ( 2 ) ( A ) - Reinvestigation of Disputed Information : I request a prompt reinvestigation into the disputed information to ensure its accuracy, as mandated by the FCRA.

3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : [ Creditor 's Name ] has failed to correct the inaccurate reporting despite my previous disputes, which is a violation of their duty under the FCRA.