23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX WITH CORE XXXX  had a refinace cash out of XXXX after i signed they changed to XXXX they STOLE XXXX XXXX FROM ME NOT ACCEPTABLE
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX Other {$560.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXXXXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 0 Months Credit Limit Not Reported Highest Balance {$560.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Remarks Placed for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract.. ( XXXX XXXX XXXX XXXX ) are violating my consumer rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I refinanced several of my federal student loans through another lender ( XXXX ). A payment to close out those loans was sent to the loan servicing company on XX/XX/XXXX, but was applied incorrectly across all my loans instead of paying off the specific ones noted on the paperwork. On XX/XX/XXXX, I called federal student loan servicing to ask for the allocation to be adjusted to match what was sent from the refinancing company. They submitted this and told me it would be resolved in 7-10 business days.

After the 10 bushiness days had passed, I called again on XX/XX/XXXX and was told that this was still in process, but would be escalated to a supervisor and resolved in 24-48 hours. As of today, XX/XX/XXXX, the loan allocation is still not resolved. I did call again on the XX/XX/XXXX, but was told that it was in process and would be  resolved soon. 

In the meantime, I've had to make another full loan payment, which is going towards loans that should no longer exist.
Product: Money transfer, virtual currency, or money service

I was going to lease a studio apartment from someone. I signed the lease agreement and then sent my money through Venmo. When it came time for me to receive the keys they started asking for more money. So I said I didnt want it anymore and they wouldnt return my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX : Detailed Negative Account History Report To Whom It May Concern, I am writing to provide a detailed account of my credit history, specifically the negative accounts that have impacted my credit report. Below are the accounts that have negatively affected my credit standing. 


XXXX ( XXXX ) Account Status : Charged Off Balance : {$4300.00} Past Due Amount : {$4300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX ( XXXX ) Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX XXXX XXXX ( XXXX ) Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 


XXXX ( XXXX ) Account Status : Charged Off Balance : {$2100.00} Past Due Amount : {$2100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 


XXXXXXXX XXXX ( XXXX ) Account Status : Charged Off Balance : {$1300.00} Past Due Amount : {$1300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 6 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ) Account Status : COLLECTIONS Balance : {$630.00} Past Due Amount : {$630.00} Date Opened : XX/XX/XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT EMPLOYER XXXX XXXX XXXX XXXX XXXX INCORRECT NAME XXXX XXXX XXXX XXXX XXXX understand that these accounts may have negatively impacted my credit history, and I am working towards resolving any outstanding balances and improving my credit standing. If you require additional information or documentation regarding these accounts, please feel free to contact me. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? 
XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. 

Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. 

This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. 

There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. 

The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. 
I will pursue this to the full extent of the law if this is not resolved to my satisfaction. 
Thank you for your time and consideration of this very important and disconcerting matter.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

The credit bureaus are consumer reporting agencies and I am the consumer. I do have a right to make sure my private information isnt shared which is backed by 15 USC 6801 It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers no public personal information. 

The credit bureaus dont have my written or verbal consent to furnish this information. 
All consent is revoked. 

15 USC 6802 - a financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. 

I was never informed of my right to exercise my non disclosure option. 

15 USC 1681C also states, no consumer reporting agencies 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.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/XXXX The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/XXXX I wrote to all three credit bureaus informing them of the letter I received from the  Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/XXXX XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that XXXX had removed the Bankruptcy from my credit file between XX/XX/XXXX and XX/XX/XXXX. And then XXXX added the bankruptcy back to my credit file between XX/XX/XXXX and XX/XX/XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for XXXX. Experian have yet to respond to my letter I sent certified mail on XX/XX/XXXX in which certified mail states they received my letter XX/XX/XXXX. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized information on my credit report, which I believe has been mistakenly included. This is a violation of my privacy and financial integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have presented XXXX with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of XXXX and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX XXXX Dept. of XXXX XXXX XXXX XXXX # XXXX XXXX bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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

There are inquiries on my report I did not authorize.
Product: Debt collection

I formally request the removal of this inaccurate account from my credit report. Its creation or usage was not authorized by me. Enclosed are the essential documents to support my claim.
Product: Vehicle loan or lease

I have a lease on XXXX XXXX XXXX My vehicle was damaged in an accident and has been at XXXX  XXXX in XXXX XXXX NJ since XX/XX/XXXX. I have been paying my lease every month yet I have no use of my vehicle. Honda will not give me a return date for my vehicle after 11 weeks. I have contacted Honda HQ and they have created a case number. The representative refuses to allow me to speak to a case manager or any executive at HQ. I have no vehicle and I am still paying for my lease!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have searched the phone number XXXX online and it was called a scam number ; therefore, I don not wait the phone of this number. Since this mediation program seems to relate with the mortgage and, as I wrote in the previous letter, I do not have any property, I do not need this process.
Product: Payday loan, title loan, or personal loan

I applied for this payday loan on or around XX/XX/2019 for the amount of {$800.00}. This amount was deposited on that date. The loan does have a two week term in which is to be paid in full within that time. I was not able to do that so renewal fees were assessed. I do not recall the rate of which these fees were calculated and am locked out of the account at this time so I am unable to see them or get other information. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1200.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in XXXX   and XXXX XXXX. I am getting help for this problem. 
I have contacted my loan manager, XXXX, several times as this is now in default. I have asked for a settlement of which he will not accept less than {$1000.00}!! Making me pay a total of {$2200.00} for a {$800.00} loan! 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Product: Credit reporting or other personal consumer reports

Earlier this evening, I saw inaccurate accounts on my credit report and have no idea why. My routine check showed discrepancies that appeared out of nowhere. I refreshed my browser thinking it might be a glitch, but the errors persisted. Thus, I request a meticulous review of the documents I provided to prevent future concerns.
Product: Vehicle loan or lease

First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}.   I was initially told that the fact I missed a payment in  XXXX  I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till  XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you  are 1 or  2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business.   Please READ the contract before signing, especially if it 's AVID ACCEPTANCE!   They are worse than havin g a Student Loan!