23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was contacted by Great Lakes student Debt Services and I paid {$940.00} from XXXX to XXXX and in XXXX I discovered it was a fraudulent company with Great Lakes and I can not get my money back. The company is called processing direct, and I have the payments Deducted from my account
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card

My name is XXXX XXXX, I had a dispute with XXXX regarding an internet services. I ordered 20mbps of internet speed, and XXXX only gave me less than 1mbps. So I refused to pay XXXX. I worried that XXXX might charge me on my credit card, so on XXXX 2015 I phoned my credit card company, CHASE ink, to block any charge from XXXX, and CHASE promised me the whole thing. But on XXXX/XXXX/2015, CHASE accepted a charge of {$360.00} from XXXX, and put it on my account ( my account ending in XXXX ), and had me to pay for it. I started dispute with CHASE since then.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of Drivers Licenses for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you.
Product: Student loan

My current loan has a payment plan of {$190.00}. I contact Sallie Mae to reduce my monthly payments because my husband was in a XXXX XXXX XXXX XXXX  and we are trying to get our finances back on track after his recovery. I have explained my situation to Sallie Mae and they would not assist me in reducing my monthly payment because they feel that my current checking account and savings account is sufficient enough to continue with my current repayment plan. The customer service representative I spoke to said, " You can borrow money from a family member or even get a loan because you don't have a restitution plan in place and I'm not confident you will make your monthly payments if we lower them. '' Then proceeded to tell me that I was approved to have my loan reduced to {$150.00} per month, but said that because I don't have a restitution plan she was not able to help me and that my current payment plan is manageable enough and I could use the money in my savings account. Sallie Mae 's customer service is rude, demeaning, and unsatisfactory.
Product: Debt collection

This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX Balance {$870.00} DEPT OF ED XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onFeb XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

unauthorized inquires on my credit profile! XXXX transuinion and experience have false inquires on my credit profile! i did authorize none of this as my ssn been compromised
Product: Credit reporting or other personal consumer reports

After reviewing my Experian Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from XXXX. 
The fraudulent account reported no data 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

TSI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/2024 added a derogatory mark on my credit profile per XXXX XXXX for {$2900.00}. After further research this account was transferred/ sold and I am no longer responsible. Also there was no written form of communication or signed contract for this debt. The company responded with a statement The attached is a statement. Not a signed agreement or legally binding contract. Please remove this item from my credit report until validation above is received. Company provided XXXX forms of validation 1. A move out statement 2. A legally binding lease. I have highlight XXXX section XXXX. The move out statement showing {$2900.00} owed upon move out. XXXX. The amount of security deposit retained for the XXXX XXXX XXXX which is {$2900.00}. XXXX. A section in the lease pointing to upon move out a move out statement will be provided and a deduction from the security deposit will be made to cover. Im requesting a running statement of all months of this lease from inception showing where my security deposit went. It should have been applied to the move out statement
Product: Credit reporting or other personal consumer reports

I am seeking your support concerning this incorrect account reported on my credit report. This has negatively impacted my XXXX, and I need your assistance.
Product: Credit card

I have been unable to verify my bank account information online with Upgrade credit card. I have attempted to do so in order to redeem my rewards. I called customer service at XXXX today according to the online instructions. I was informed that they could not verify the account due to me banking with a small bank, XXXX XXXX XXXXXXXX XXXX XXXX. I was asked to provide a voided check or XXXX  copy of my statement via email in order to verify my account so I could receive my rewards balance. The email I received was not a secure email account and was not encrypted. I asked several times and was informed repeatedly that their email is confidential. The representative was adamant that it was secure despite my requests for a secure document link or encrypted email. He informed me that was the only type of email they had. I asked to be mailed a paper check and refused to send my personal banking information via the email that was provided for me to reply to. My concern is that others may send personal information believing the email is secure. Furthermore, I was informed there would be a delay of approximately XXXX weeks in order to receive a check and I am certain I will no longer use this card as my bank account is no longer verified so I have no convenient way to pay.
Product: Checking or savings account

On XX/XX/2023, my family and I went to have lunch after an XXXX We ate at the XXXX XXXX and the bill totaled {$120.00}. I handed my Albert card to the waitress to pay the bill. She returned and said the card had been declined twice and gave me the receipts showing it was declined. I then handed her my XXXX card and paid the bill. While she was running the XXXX card, I checked Albert because I knew there was enough money there to cover the transaction. It showed that Albert had charged me {$130.00} for the dinner despite declining the charge. I addressed this with the manager and she brought out the handheld POS system and showed me both declined transactions in their system and then the processed transaction using my other card. Albert is now refusing to refund my money. There is no reason for me to be charged and to be charged for more than the purchase on a transaction they declined. I have been exchanging emails with them all morning and they are saying I now have to get a letter from XXXX saying the charge was canceled. XXXX says the charge was canceled the minute the charge was declined by Albert. A {$120.00} lunch has now cost me {$260.00} due to Albert being thieves. How can you decline a transaction and still charge me for it? I have attached a screenshot of the text saying Albert declined the charges and a screenshot of the actual charge that they still made. Both declined and charged amount were more than the actual bill. I have also attached the 2 receipts from the declined transaction plus the receipts where my bill was paid using another card.
Product: Checking or savings account

error describes that changes have been made and am not able to link my bank account with applications
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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

The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX  letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Product: Debt collection

NCB Management continues to call me at my place of employment. I have advised nicely that it is a place of business and that personal calls are not allowed and they continue calling my job at least once a day, often multiple times per day.
Product: Mortgage

Default on mortgage due to cut hours and other bills to debt. No car, breaks went completely out. I support XXXX children. Cloths food, and a home. I just recently found out it is in a excursion situation. Who I believe to be there father. He has payed half mortgage, half phone bill and daycare. Including the MID, all which are under my name. He states he will not pay, and is now not wanting to help financially. I have received multiple scams on loans and mortgage, ways out. We have found electrical devices in the home. Which can be used for personal data. No one is aware of any out side devices. Which he has no legal rights to do. I have found in a shoe box hidden in the closet of a lot of financial debt. And I believe I have added items on my credit report. Because some of the names did not look familiar. Or I was not involved with the incident.
Product: Mortgage

At the end of XXXX we prepaid the our property taxes that were due for XXXX. I call the mortgage company and told them this information I also faxed them proof of payment so they would know not to pay the property taxes that were going to be due. I followed up on the fax and they verified that they had the documentation and they were doing escrow analysis for us. My spouse also called to inquire about the escrow analysis on XX/XX/XXXX and was told they were processing the analysis. On XX/XX/XXXX we received an email that a payment had been made for our property taxes. I have verified with the county on XX/XX/XXXX that they have refunded the funds back to the mortgage company. I spoke with them today XX/XX/XXXX and they are not showing the funds being credited to our account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint because I have repeatedly requested a copy of the original contract with a wet signature from the debtor, but the creditor or debt collector has failed to provide it. Despite multiple written requests, I have not received any response or documentation to validate the debt as required. Furthermore, they have now sold my information to another third-party collector, which has added to the confusion and harassment. This lack of transparency and failure to provide proper documentation violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am seeking the CFPBs assistance in addressing this issue and ensuring my rights are upheld.
Product: Mortgage

I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore, I was unable to speak with anyone there either.
Product: Credit reporting or other personal consumer reports

The account in question - XXXX  XXXX XXXX XXXX # XXXX {$8900.00} is being reported as a Charge-Off, Closed/Reopened, which is misleading, inaccurate, and highly damaging. If the account was truly a repossession, it CAN NOT be reported as a charge-off. This type of reporting is an abuse of my rights and creates a false impression of the account status. As outlined in **15 U.S.C. 1681s-2**, it is your legal responsibility to report information with *complete accuracy*. The intentional or negligent reporting of false data is a direct violation and must be corrected immediately. Attached are screenshots showing you that this account was closed and then reopened as a collection/charge off which is a violation.
Product: Mortgage

In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )
Product: Credit reporting or other personal consumer reports

XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to XXXX and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Equifax : XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been victims of fraudulent activity because the Dept of Personnel Management under President Obama allowed our personal information to be stolen through their negligence. Since that time my wife has suffered additional fraud by someone changing her address at our bank and causing bank account information to be moved to XXXX, FL to a sham storefront business ( 3x )!  I recently received a notice from XXXX asking if I had closed an account ( I didn't ) : " Hey XXXX, It looks like your XXXX/XXXX  account on your Equifax credit report was recently listed as closed. '' I had to do a XXXX search to find out who that was and it was XXXX closing an account they had opened and tried to get me to use but I never did. But their closing of the account lowered my credit score EVEN THOUGH I NEVER USED IT and all my credit agency accounts have been locked! I don't know who reported this as a negative impact, but how can my credit score go down, if I never owed any money on that account?
Product: Credit card

CASE Number XXXX AND Case Number : XXXX I have a case dispute with Capital one over 3 payments of {$390.00} ( XXXX ) to XXXX  Capital One wrote to say that the merchant provided proof that goods or service were delivered. However after looking at the merchants response I noticed that the merchant SUPPORTED my claim!! SERVICE WAS NOT DELIVERED The merchant clearly stated in a letter that was sent back to Capital One that the tickets were CANCELLED!! 

I want Capital one to DO their job. Refund my money now. You have no reason to hold my money, the merchant sent you proof in writing that they cancelled the ticket. Your response to me via writing is incorrect. 

The tickets were cancelled on XX/XX/XXXX, the XXXX  event was XXXX XXXX. A person can not accuse another person of committing wrong in the future. That is ludicrous and under no law acceptable. Hence XXXX  can not accuse anyone of being a vendor and pretending to be a healthcare professional when the date of the event haven't even arrived. In that case they need to show what we solicited at the event to be guilty of violation. These are scammers pretending to be a company. 

On page 8 of the attached you will see where the merchant email to say the tickets were cancelled. The bank purpose is to determine if the goods or service paid for was delivered and from evidence by myself and the merchant. All 3 tickets were cancelled before the event.