23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We have a joint checking account with the M & T Bank ( the routing and account number are XXXX and XXXX, respectively ). The bank blocked us to get access and/or transfer money last XXXX without any reasons or notifications. Now, we could not pay our bills on-time through this account, which may significantly affect our credit scores and mortgage ( or credit cards ) applications. 
We called M & T Bank to resolve this issue on XX/XX/XXXX. We also asked the managers in security department and the local XXXX officers why our account was blocked. 
However, none of them was willing to tell us why. They kept asking us to call another number ( such as XXXX, XXXX, XXXX, etc. ). 
After many hours of calling different officers, M & T Bank still have not provided us a reason why our account was blocked nor resolved the issue. 
In addition, we have requested XXXX XXXX XXXX to represent us to contact the bank. He has also failed to resolve this issue. 
We will be grateful if you can help us to resolve this issue.
Product: Mortgage

With permanent XXXX arising, XXXX XXXX XXXX was paid in full nearly $ XXXX reconveyance in XXXX of 2018, just prior to daughter XXXX XXXX ' release from custody. Upon XXXX 's return there has been many discrepancies and even a protection order placed from herself at her permanent location. I have filed multiple complaints regarding this issue with entities such as the Department of real estate, FBI, OIG USPSIS, USPS, FTC, IRS, FTB, BOE, DMV and even the attorney general. With myself no longer being at the home occupation this has opened the windows for real estate fraud and all the while attempting to remove the residents of XXXX XXXX, there is harassment. like such today, I have no devices to use to report acts of stick up for oneself. I have recently reported the entities that i believe may have spyware on my servers which had provided and insight to my loan modification. daughter XXXX XXXX and escrow agent XXXX XXXX have some sort of conspiracy to commit murder and are under investigation today for the manslaughter of XXXX XXXX.
Product: Student loan

In the fall XX/XX/XXXX semester, I had attended one university, and then later transferred to a new university for the Spring XX/XX/XXXX second semester. I withdrew from first university, but enrolled as a full time student at  new university. Granite State management on XX/XX/XXXX, notified me that my enrollment had changed to withdrawn or had dropped below a full time student, I immediately contacted them and was able to provide all the correct documents to show that I was in fact still a full time student, but had just transferred. We were able to work through the issue and my loan was put back in deferment. On XX/XX/XXXX, they contacted me again stating that my enrollment had changed yet again, which it had not. I checked with the university and I was still enrolled full time and even already had my enrollment confirmed for the fall XX/XX/XXXX semester, which I had provided when the first time the company contacted me on XX/XX/XXXX. 

I call the company again immediately and they refused to even look at my current enrollment and said they were unable to help. They offered for me to fill out deferment paperwork again, which I did, but they will not listen to me that I believe that they are using my former university 's status of my enrollment, and not the school I had transferred to. 

This reoccurring issue is ridiculous and they are unwilling to listen and provide me with any information. They blame the university, tell me to call them, although that is far from the case. This issue could easily be resolved, but they seem to be making it very difficult to be able to work through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current credit report with Equifax. As of today XX/XX/2020. I notice that an account under the name : ( XXXX XXXX XXXX XXXX ) has been reinsurted on to my consumer credit report without written notice 5 business prior per Fcra rules section 1681. As a result, Equifax is in violation of FCRA rules. 


Account : XXXX XXXX XXXX XXXX is also in violation of the FDCPA section 809b. 

This account was originally submitted under the name : XXXX XXXX XXXX  XXXX. But now has been reinserted ; with a totally different original creditor ; XXXX XXXX  reporting the same outstanding balance and XXXX XXXX XXXX. 

Please ; This was intentionally done to damage my consumer Credit profile. This account is not only fraudulent, but misleading, inaccurate, and inconsistent. A clear violation if FCRA rules and the FDCPA. 



This account was reinstated back in XX/XX/2020 and was deleted for violating FCRA rules and now has been reinstated again. 

Please see attachment ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX, current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.
Product: Student loan

In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.
Product: Money transfer, virtual currency, or money service

Attached to this complaint related to previous CFPB complaint number XXXX is a copy of the letter my Attorney sent to Western Union . My money orders were stolen and clearly altered but Western Union willfully ignored that fact and did not issue a fraud alert associated with my two altered money orders! 
Western Union must respond to my Attorneys letter. As a consumer, I am not at fault and should not have to bear the financial burden of the stolen mortgage payment.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. 
( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. 
Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. 
The situation became Damaging when XXXX XXXX  for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX  yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. 
As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$2900.00} ) on my credit report without my consent ( open on XX/XX/2022 ) In according with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 state I have the right to privacy.

15USC 1681 section604a section2 it also state a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open a consumer account as late payment.
Product: Debt collection

On XX/XX/XXXX an XXXX XXXX XXXX was started at XXXX XXXX XXXX, XXXX, XXXX. Account was closed on XX/XX/XXXX with an balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Payday loan

I entered a Debt Management Plan with XXXX for a Payday Loan obtained from XXXX XXXX XXXX. I signed the XXXX documents on XX/XX/2014. XXXX continued to debit from my bank account, so I called them on XXXX XXXX and asked them to stop charging me, since I was already paying on the DMP. I also called XXXX XXXX, and asked that any payments they try to take out be stopped. despite these attempts, they have debited me XXXX more times. I keep calling and being assured it will be taken are of, and it is not. I am paying this back to XXXX companies.
Product: Credit reporting or other personal consumer reports

Please check my credit report as there are inaccurate accounts from my credit report.
Product: Credit reporting

More than 10 years ago, I had XXXX student loans through XXXX. The XXXX loans were consolidated and completely paid off ; however, XXXX reports that XXXX payment was not made back in 1993. The XXXX XXXX accounts were consolidated and I was only supposed to make XXXX payment on all XXXX accounts. I am astonished that the account is still being reported negatively even though the XXXX accounts were completly paid off as XXXX account. 

XXXX XXXX
Product: Credit card or prepaid card

The Mastercard branded gift card product that states on the front of the card " A GIFT FOR YOU '' issued by U.S. Bank National Association and managed on XXXX violates the clear and conspicuous requirements of 12 CFR 1005.20. The card on the back in extremely small font indicates the inactivity fee associated with 12 months of inactivity. The fact that they found the need to significantly increase the font size of just the inactivity fee amount in comparison to the rest of the text evidences that the company issuing the card was likely aware that the actual text of the disclosure language was not conspicuous. 

We were gifted {$75.00} dollars on two of these types of gifts ( one for {$25.00} and one for {$50.00} ). The entirety of the balance we were gifted was paid in service fees because we kept them without using them for a period of several years. 

When we called to inquire about transactions on XXXX XXXXXXXX XXXX the representative then pointed to the language on the back of the card and did not offer to resolve our complaint in another manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed / a victim of identity theft and now I have a bad hard inquiry on my credit of {$2300.00} & I need it disputed because that wasnt me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX BANK XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received email with a 1099C ( Cancellation of Debt ) form that was filed with the IRS. I have never heard about this company, Enova International, or ever took a loan out with them. Debt is for {$1400.00} dollars. Have called them every day since I received the email with no response or have the phone calls been answered. Waiting on Sheriff 's office to file a report of Identity Debt.
Product: Credit card or prepaid card

In XX/XX/2022, I paid off this credit card and requested to close the account. In XXXX I received a bill that stated it was for interest between when the account was paid off/closed and when the statement came. I paid the {$65.00} and confirmed that the account was closed and that I would not receive any further bills. In XXXX, I not only received another bill, but was now charged a late fee and a minimum interest charge. This is the biggest scam I have ever seen. At this rate I will never be able to pay off this card as there will always be some sort of account charge. This is the highest form of consumer credit fraud I have ever seen and I do not want it to impact my excellent credit rating. Please advise.
Product: Payday loan, title loan, or personal loan

My name is XXXX and I have a Title Loan with the company Wilshire Consumer Credit based in XXXX XXXX, CA. I opened a new loan back in XXXX of XXXX with a balance that is logged of {$11000.00}. I've paid numerous of payments that is {$570.00}. Sometimes I split it and paid two payments to make the {$570.00} payment of the month. What I'm concerned is that it is now the end of XX/XX/XXXX and my current balance left is {$11000.00}. They have gotten thousands of dollars from me with no relief of my title loan debt and will be stuck with it longer than it will. Please help me and find out what is going on that they are doing these practices of NOT paying down your principal and instead paying into interest to GAIN for the company by making profit for themselves. I feel that I am not the only one going through with this. My vehicle has over XXXX miles. How bout if one day my car breaks down and I am still stuck with this debt. That is NOT fair. I need help and resolve this loan issue. I am an honest consumer and want what is fair. I feel like I'm being taken advantage. I'm a single mother and widow with XXXX teenagers. 

Thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

Today is XX/XX/year>. I checked my credit report and saw fradulent accounts opened in my name, please remove these accounts. I never applied for these accounts nor I used these services from the companies listed below : XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX  XXXX XXXX XXXX {$20000.00} XXXX XXXX  - {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, XXXX XXXX XXXX a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with Chase Auto finance. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to cal me and that wasnt done and that violates my rights as a consumer. i reached out to equifax on more than one occasion to advise of my credit being pulled without my permission. these inquires are not authorized by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023 received a letter from Eastern XXXX System # XXXX requesting verification/ validation of original application/agreement no reply disputed with XXXX XXXX XXXX account came back verified/FCRA requirements meet how is this when collection agency didnt respond to my letter XXXX is reporting inaccurate, incomplete an non verified information on my consumer report I thought everything is supposed to be 100 % percent accurate this is a direct violation of XXXX regulations, my consumer rights under the FCRA an FDCPA 15 USC 1692a ( a ) without consent of consumer/court jurisdiction a debt collector may not communicate with a consumer in regards to any debt 15 USC1692 ( e ) ( 8 ) failure to communicate debt is disputed 15 USC 1692g ( 4 ) notice of debt content FCRA 15 USC 1681b permissable purpose 15 USC 1681c ( a ) ( 4 ) information excluded from consumer reports 15 USC 1681e Accuracy of report 15 1681s-2 ( A ) ( B ) reporting with actual knowledge of errors an after notice of confirmation of errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  Quality XXXX XXXX XXXX XXXX This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX reporting Closed ; XXXX- no status ; XXXX- closed or paid/XXXX balance