23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$3900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$970.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$7400.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1100.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$570.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, My mother, the illustrious XXXX formerly known as XXXX passed away on XX/XX/2019 largely due to Simmons banking policies which made it impossible for her to access her bank account from overseas despite their misleading Bank Anywhere promotions to afford more potentially life-saving treatment, like XXXX XXXX XXXX for her XXXX. Even the kind intervention of her personal banker, Ms. XXXX XXXX could not help her to access her own money in her own account due to your lack of international policies governing access to accounts and/or confirmation of identity. 

Today many of my mother 's documents were ceased from her assistant in XXXX who was attempting to have her funds wired to me because they feared that Simmons Bank in Arkansas would not release her funds to anyone, either after their experience with Simmons Bank in trying to get access to her own funds for much needed medical treatment before it was too late. I learned that they tried to have the funds wired to my bank account, after we met them and had her documents returned to us here in XXXX.I might add that my mothers assistants have been of invaluable aid to my mother in her last days, despite their recent mistakes and mistake filling out her SS form some months ago. 

My mother 's bank account number is : XXXX Her SS end is : XXXX Mine ends in XXXX I WOULD LIKE TO RECEIVE INFORMATION ON THE PROCESS OF HAVING THE FUNDS IN THE ACCOUNT released to her next of kin/executor which I am. I have asked Simmons Bank to provide this information to me. 

I have provided a photograph of the death certificate for my mother to Simmons Bank.This document is issued only once to the next of kin in XXXX, so I can not send the original as it is irreplaceable. It is a picture that was taken with my phone. My mother was a XXXX citizen and I am here in XXXX after having buried her here as was her request. I am an American citizen living abroad, however I do have a US address and bank account. Again, I would appreciate it, if you would assist me in having Simmons Bank let me know the procedure that I must follow to take possession of my mothers funds as next of kin. After my mothers tragic experience with Simmons Bank, I expect them to be very uncooperative.
Product: Mortgage

On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

We where given 2 financial deferments in a course of one year  we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX
Product: Checking or savings account

My account was closed without my knowledge due to supposed security issues, though there was no unusual activity on my account. I contacted the company and they refused to tell me why the account was closed but said that I would receive a paper check within 14 days. Thats been 3 weeks ago almost and the only response I get when I ask about the check is the day it was requested.
Product: Debt collection

I attended XXXX in XX/XX/XXXX and XX/XX/2015. I missed the first chemistry lab for my chemistry course and was dropped from that course, without any notice or mention whatsoever. Once I found out, I attempted to register for another chemistry lab at the student services office, where I was told it would cost an additional {$250.00}. I did not have this additional money available to me at the time, since a refund for the class they choose to drop me from had not yet been given, and I had yet to receive my student loan for that semester. This was on a Friday afternoon and since I could not get another {$250.00} to give them that weekend, they proceeded to drop me from ALL of my courses that semester, which totaled approximately {$3200.00}, which they then decided Id owe to them. Because they dropped me from all of my courses, I obviously could not get the student loan that I was waiting for and intended on paying for my courses with for that semester. I dont know if its worse that I couldnt ever go back to XXXX to pursue the second degree that I was pursuing or the fact that I couldnt pursue the degree I was pursuing and they claim I owe them for them taking me out of my classes. The whole situation is extremely unfair, and frankly, seems like a complete scam to make more money off of students who are simply trying to pursue higher education and dont have a lot of money to do so. If I had voluntarily dropped my courses, I would absolutely take responsibility for whatever monetary value Id owe, but they unfairly dropped me from all of my classes and keep claiming that I owe them. They would have easily made more profit off of me, if Id been able to continue my degree program. On top of all of that, the cost of the courses was just over {$3200.00}, yet this collection claim is now well over {$4300.00}. Correct me if I am wrong, but I dont even think it is legal to choose to add-on to a collection account. With all of that being said, and especially considering the fact that Ive made several attempts to dispute the legitimacy of this collection account, I want this completely vacated from my credit report immediately. Ive fought this long enough and the next step is to make it a legal matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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: Vehicle loan or lease

i have been asking the company for years to put my frequency date at the XXXX and the XXXX, now that my loan is almost paid off and I have lost my job this last month calls for XXXX payments. this probably not the first time that they have stuct to me like this. I called them last week and aske for a loan modification, they tyold me yestewrday that it was denied because they could not give those dates. i asked for other dates and asked for another loan modification. i tyalked to about XXXX or XXXX different people, XXXX in escalaion. i talked to excutive in escalation. they can not give anan answer on the modification until Tuesday, all the time XXXX to messe my XXXX i ask to talk to corporate, it is obvous they want more money up.they do not want to do anything about tere mistakes but hold me accountable. if and when i do XXXX  a new or used vehicle i will not use these guys and futher more I do not recommend them. at the end of my loan they start to act like this,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

I had a XXXX XXXXXXXX charger and it deemed a total loss by the insurance adjuster and American credit acceptance whom which the car was finance through put remarks on my credit file saying the car was a voluntary repossession and that it was affected by natural disasters. Thats not what happened and I submitted proof to all 3 credit bureau and they still came back after the disputes saying it was accurate and its not. Even American credit acceptance wont remove the remarks. Also, they settled with the insurance company to accept the {$15000.00} for the car and they sold it at auction for {$6000.00} and I feel like I shouldnt be held responsible for the remainder of the balance when I dont have possession of the vehicle anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a police report in regards to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail to Arbor Professional Solutions ( XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX ) on XX/XX/2020 to validate a debt of {$680.00}. As of XX/XX/XXXX, I have not received a response from the debt collector. On XX/XX/XXXX, I sent letters to XXXX  and XXXX  informing them that Arbor Professional Solutions had failed to respond to my validation letter and requesting that this debt be removed from my credit reports. At the end of XXXX, I received replies from XXXX  and XXXX stating that this debt was valid despite the fact that I didn't receive validating documents as required by the Fair Debt Collection Practices Act.
Product: Debt collection

I have received repeated calls from Portfolio Recovery Services. I have reviewed my credit report and all of my accounts are current. I do not answer the calls as they are tagged as spam or fraudulent by my cellphone. These calls spoof different numbers. I block the calls and after a few months they start again.
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ Pentagon Federal Credit Union ] to [ XXXX XXXX XXXX XXXX ]. 

On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX XXXX " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to XXXX XXXX. 

I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. 

I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. 

I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. 

Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? 

Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? 

Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
Product: Credit reporting

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Product: Mortgage

US Bank has not released the lien and sent proper notification by mail to indicate that the loan is paid in full and that the lien has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a fraudulent account from my credit report. XXXX  has already verified it as fraudulent and removed it. Experian is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

-Remove fraudulent Inquiries from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX, Equifax, XXXX Credit Bureau Subject : Request for Removal of Repossession from Credit Report Dear Credit reporting Agency I hope this letter finds you well. I am writing to formally request the removal of an incorrect or outdated repossession listed on my credit report. 

The account in question is as follows : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that this repossession is either inaccurate or no longer relevant, as [ explain briefly whye.g., the account was settled, the information is outdated, or it was reported incorrectly ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any items that are incomplete, inaccurate, or unverifiable. 

I respectfully request that you investigate this matter and remove the repossession from my credit report. Please notify me once the item has been corrected or deleted, and kindly provide me with an updated copy of my credit report. 

I have included supporting documentation to assist with your investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Prepaid card

I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds.
Product: Student loan

On numerous dates they have accepted the Student Loan deferment, but for years they keep sending back the Student Loan forgiveness form to keep getting the Doctors signature. Such as the last date XX/XX/2019 is one of the dates they have sent back yet another notification. I had to send a fax and letter to my Doctor on XX/XX/2019 for the loan to be forgiven when the President Of The USA offered to forgive my Student Loans and setting any account free. I have two other people on the account on the Family Plan that I want to add and they have two separate last names, and I have them both as Co- Borrowers ; you may contact the  number of the first Co-Borrower as possible. Sent in good faith, and none delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my Experian Credit report # XXXX, dated XX/XX/2020, and noticed inaccurate information more specifically addresses I had disputed with both Experian and the CFPB in form of formal complaints at least 25 or more times in the past 10 years had been reinserted back onto my credit report. According to the FCRA any disputed information removed from consumers credit reports can not be reinserted without prior notification from the credit reporting agencies. My current address as listed with every single creditor is XXXX XXXX, XXXX, MD XXXX. XXXX removed this address as my current address listed as former address. Experian refused to disclose who authorized the change or which creditor is reporting the wrong addresses. Under the FCRA the consumer is entitled to sources of which creditor/lender is supplying inaccurate information and afforded the opportunity to dispute the inaccurate information directly with creditor/lender. According to Experian they can not verify who changed the address or any lender currently reporting the incorrected address then continued to refused and remove the inaccurate information from the consumers credit report in direct violation of the FCRA.