23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX OF XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Credit card or prepaid card

It's a complaint against Direct express which let someone hacked to my account and charged 3 times {$63.00} on XXXX an account which I don't have or ever used .They are saying I did this that I charged for this purchases and will not refund me the back charges to my account .please investigate this againt Direct Express and Comerica bank . thank you...
Product: Mortgage

In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 
7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 
8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 
9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. 
With your help WE WILL NOT GIVE UP.
Product: Debt collection

Heres what happened : I got a letter from CBE Group. They claim I owe XXXX {$230.00}. This letter said, in part : Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XXXX, we must stop collection until we send you that information. 

On XX/XX/, I completed CBEs online form which allowed me to dispute the debt. I got confirmation that said debt was disputed. 

Fast forward to XX/XX/XXXX, I got another letter from my pals at CBE. They are now trying to collect on the XXXX debt despite them telling me in their first letter, I have until XX/XX/XXXX to dispute the debt. 

CBE Group misled me, and as a direct result, my credit will likely be negatively impacted. Im not pleased about this. This feels illegal and creepy. 

I still have both letters I have received from CBE Group including the letter asserting Ive got until XXXX to dispute the debt.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( XXXX ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. 
According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. XXXX XXXX {$31000.00} XXXX. XXXXXXXX XXXX  {$15000.00} XXXX. XXXXXXXX XXXX {$11000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all XXXX major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/23 and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response WAYPOINT - XXXX XXXX XXXX - XXXX WAYPOINT - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Mortgage

Over the years I have struggled to make mortgage payments as my husband died XXXX 2 years after initiating the loan. Thankfully, I am now making my payments timely. However, over the years when I spoke with customer service representatives of Greentree, I was transferred to other extensions/representatives numerous times and was forced to reiterate over and over my situation and what I was requesting. Greentree would assign someone to me and then before I knew, that representative was reassigned and I would have to start all over. Several times customer representatives were rude and unprofessional. One even said to me that I needed to realize that I could n't afford to make these payments and that I should just let them foreclose. Greentree Servicing 's representatives humiliated me numerous times over the life of this loan. Several years ago, I submitted all the necessary information and documentation to Greentree requesting a reduction in my interest rate ( currently 9 % ), and was denied, without an explanation.
Product: Debt collection

Progressive Management Systems has violated the FDCPA and the Fair Credit Reporting Act. They reported several accounts on my credit report that has not been validated. I contacted both the company and XXXX to demand validation of the debts they are trying to collect and are reporting on my credit reoprt. I also disputed the debts with XXXX. XXXX deleted 3 of the collection accounts in XXXX 2017 because they were unable to validate and today I noticed that the collection accounts have been added back to my credit report with no notice received that they would be added back and the other 2 still remain on my report. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt. I have received no proof ( signed documentation ) of any type that this debt belonged to me as I demanded. There was no date of verification nor any documentation of the authorized HIPAA business relationship between Progressive Management Systems and the original creditor. Being that I have never been without medical insurance it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and Fair Credit Reporting Act.
Product: Credit card

I made a purchase using my Chase Sapphire Preferred Visa credit card in the amount of {$170.00} on XX/XX/2023 at XXXX XXXX. I received a Credit Card alert from the Chase App alerting me of the transaction on XX/XX/2023. 

I had previously applied a Chase Offer to the account for 15 % cash back on a purchase at XXXX XXXX with an expiration date of XX/XX/2023. 

The transaction posted on XX/XX/2023 with a revised " Transaction date '' of XX/XX/2023 which I had no control over and did not reflect the actual transaction date. 

Following the Chase Offers FAQ guidelines, I waited 14 days for the cash back reward to post. It did not, so I contacted Chase 18 days after the transaction was initiated via their secure message feature within my account. I provided screen shots showing the transaction notification date of XX/XX/2023 and the subsequent change of transaction date after it posted to my account as well as the cash back offer information. I received a response from XXXX XXXX on XX/XX/2023 indicating he would forward the information to the appropriate department for research and I should expect a response within 5 business days.

After 5 business days passed, I did not receive a response. On XX/XX/2023 I forwarded the original message via the secure messaging feature on the Chase website to request an update. 

On XX/XX/2023, I received an update from XXXX, Senior Service XXXX : " After reviewing your account carefully we confirmed the offer expired on XX/XX/2023. The purchase posted on XX/XX/2023. We have no control over when the merchant post the purchase. Because it posted after it expired we would not be able to honor request. We hope you understand this is the same for all our cardmembers. '' I disagree with this response. The Chase Offers FAQ page at https : XXXX XXXX  : " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers Wallet. The offer should appear as redeemed within 14 business days after the transaction post date. '' I maintain that I made the transaction on XX/XX/2023 before the expiration date of XX/XX/2023 and that I can not control when the merchant or Chase posts the transaction. Chase should honor its cash back offer and post the cash back reward to my credit card account in accordance with the stipulations of its offer and the guidance it provides on its Chase Offers FAQ site.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$6800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00}.
Product: Mortgage

Dovenmuehle is my mortgage service provider on my VA home loan. Each monthly statement claims that I am a month behind. I have never misses a payment. The company has sent me their record of my payment history which shows that I have never misses a payment. The company reports to the VA every month that I am current, and in good standing. Even though Dovenmuehl 's own records show all payments made, and according to their reporting to the VA I have never been delinquent, they are unable, or unwilling to resolve the clerical error. Dovenmuehl has caused me harm with their clerical error, because I was unable to take advantages of historical low refinance rates, while they were available. This harm continues as I am unable to utilize the equity in home, as no lenders will work with me while my statements show me as delinquent.
Product: Credit card or prepaid card

To whom it may concern : I am filing this complaint in regards to Capital One unethically closing two of my credit card accounts ending in XXXX and XXXX without any proper form of notification ; I have not gone over the balance/credit card limit and made routine credit card payments on time via enrolling in auto-pay per both accounts. 
Capital One was unable to provide me with a valid reason of why my credit cards were abruptly closed. 

Furthermore, Capital One closed my Capital One Business Spark Card ending in XXXX, the only credit card I have associated with my business, XXXX XXXX XXXX. Additionally, this violates federal regulations, as a business card should not be associated at all with personal credit card due to the fact a XXXX XXXX XXXX is legally a separate entity. 

I seldom use either of the mentioned cards. I did not realize my credit cards had been closed without proper notice or consent until I tried to purchase a toy for my daughter in a Walmart, and the card kept getting declined. I then called Capital One to resolve the issue in which the customer representative I spoke with informed my accounts had been closed 3 weeks prior in which I never received any form, including mail, of communication or an explanation and was rudely hung up on. 

The closure of both of my credit cards at the same time has detrimentally affected my business credit and affected my ability to obtain new personal and business credit. 
Furthermore, Capital One charged me a late payment fee on my credit card ending in XXXX for {$25.00} after the account was closed, unbeknownst to me, in which my auto pay had been deactivated without my consent or knowledge. 

I feel Capital One has unethically affected my ability to obtain new credit and has negatively impacted the operation of XXXX XXXX XXXX as a valid reason was unable to be provided as to why the accounts were closed and does not recognize under federal regulations that an LLC  entity is separate from personal matters.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

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

MY FCRA RIGHTS HAVE BEEN VIOLATED. These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX XXXX XXXX, Equifax & XXXX XXXX XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.