23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, an offer from New Rez mortgage was made to extend forbearance and have this put to the rear of the loan. 

In the XXXX of XXXX when I was to begin a XXXX XXXX XXXX XXXX division of New Rez mortgage had my use the trial payment monies to pay XXXX to repair to roof After securing a loan modification in XXXX of XXXX I was involved in accident that prevented me from work for 90 Days New Rez continues to chew up equity with unnecessary fees and threats of foreclosure New Rez poor or misleading information continues to be ignored and puts the blame on me
Product: Vehicle loan or lease

I went to a dealership in XXXX, it was XXXX XXXX  XXXX dealership. I was approved by Credit Acceptance Corp. For a {$13000.00} loan for a XXXX XXXX XXXX . When they approved me I was living in a XXXX XXXX  house and I had just gotten a job at XXXX XXXX in XXXX Indiana. I had only been working there for 2 weeks. They asked me for direct deposit records and bank statements. I told them I did not have a bank account but I had a XXXX account. So I gave them my XXXX statements for the previous month and showed them I had only been working for 2 weeks. They approved me for {$13000.00} and some change for a used car. When I got the car within the first week all of the motor mounts broke and the rotors went bad. I took the car back to the dealership because it was under warranty. I called the warranty company and they said that all of the things broken were covered under warranty. The dealership said that these things were not covered so I ended up paying {$700.00} and some change for them to fix everything. I got the car back and it broke down 3 or 4 more times soon after and I ended up just leaving the car in a parking lot and I don't know what ever happened to the car. I just left it there and never looked back. I was over the thing breaking down all the time. Within a month I lost my job and ended up getting a court case against me for the remaining balance of {$12000.00} and some change. I was trying to see what I could do to dispute the case because I was never able to afford it in the first place and I feel they took advantage of me. I was an XXXX  in XXXX  and had only been working long enough to get one check and they knew all of this. I told the creditor that I was an XXXX XXXX XXXX XXXX XXXX  house and was trying to turn my life around and that my work history was terrible filled with gaps in employment. I feel that I was taken advantage of and now I am trying to fix my credit score and the company took me to court and the judge filed in favor of Credit Acceptance Corp. So now I owe them almost {$13000.00} I need help dealing with this please. I am really struggling with all of this and I don't know what to do. I would appreciate any help you can provide.
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 XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Debt collection

XXXX account on XX/XX/year> a Debt collector named " XXXX XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of Captial One or " 08 CAPITAL ONE N A '' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ). 

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Student loan

Ascent basically acts like it is a charity, offering what it markets as amazing loans for college students and people attending coding bootcamps. The reality is that they charge exorbitant interest and use shady tactics to market themselves as doing some essential service for customers. As part of their scheme, they created something called the XXXX XXXX, which enables people to filter and search to find a bootcamp school that matches their specific needs. Users of the tool can filter by things like their specific program, online or in-person, program length or zip code. The website states that Ascent partners with some of the schools ( meaning offers their high interest loans at them ), and where that is the case the bootcamp will be identified as such ( see attached disclaimer and example ). XXXX 's FAQs say that " not every school included in this XXXX XXXX is affiliated with Ascent ''. I was skeptical, so I tested this- I filtered by Schedule>Any ( to include both full-time and part-time programs ), and having clicked " show more '' probably XXXX times, I've reached the end of the list of possible bootcamp programs. In a list that shows XXXX results, Ascent 's XXXX XXXX lists only 8 total that don't show the " Payment option available through Ascent '' disclaimer - Hack XXXXXXXX XXXX XXXX in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I filtered to include full-time and part-time programs, this list should in theory be the full list of possible bootcamps within the finder, which means that only .04 % of the schools included are not affiliated with Ascent. Thankfully I didn't fall for their scheme, and instead got a loan from XXXX XXXX  to attend the bootcamp I wanted, XXXX XXXX XXXX XXXX ( which wasn't listed in the XXXX XXXX results, I'm guessing because Ascent doesn't offer their high interest loans there! )
Product: Mortgage

My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.
Product: Mortgage

I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer. 
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to unfair costumer service and practices ; which violates the Costomer financial protection act ( CFPA ). In more details, Cash app failed to to take timely and effective measures to prevent and address the fraud on the platform ; this left me account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive because they did not comply under the requirements of the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I am looking for appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I had an alarm system installed at my home via XXXX. I was informed that I had to take out a line of credit ( CitizensPay- Division of Citizens Bank ) to have the equipment installed. After being approved for the line of credit for the equipment, the system was installed. I paid off the credit for the equipment. However, after paying off the line of credit, I had returned one equipment item ( {$100.00} ). A XXXXt technician removed and the equipment was returned in XX/XX/2023. Ive been told many different things regarding the refund ( ex. Its on its way, the check is in the mail. ) When I called today, I was now told that this issue has to be researched. Ive been exceedingly patient, but I feel Ive been given misinformation about refund. As of today, the account is still active after asking for the account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Student loan

in XXXX I was rewarded a discharge XXXX  XXXX. My debt was cleared except for Navient Solutions. Considering they are a private lender the bankruptcy order will clear and granted this debt to be discharge. Navient Solutions disregarded the order and proceeded to mislead/ call/ harass me into the debt. I have documentation of Navient affecting my credit after the bankruptcy which is fraud. I went to XXXX XXXX were mis practice of false predatory loans. 
XX/XX/XXXX, I reopened my bankruptcy to petition Navient now this third-party aid vantage for the debt discharge and being sold to the third party this is illegal and misuse of my information exhibits I have enclosed in the case will be provided in the documents and letters of communication of the judge. pursuant 1638 ( e ) ( 7 ) My truth and lending rights have been violated and the debt has been sold to a third party to a debt that has been discharges two years prior to consolidating. i will be updating the CFPB after I win this case.
Product: Mortgage

My husband passed away on XX/XX/XXXX. I, in good faith, did notify the mortgage company the week after he passed. I have mailed in full payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. These payments represented XXXX, XXXX, and XXXX payments. In the interim, after speaking with the " Relationship Manager '' he recommended that I submit a loan modification for the mortgage. I clearly admit that I am unable to pay this amount with the loss of my husbands XXXX, upon his passing. I had two telephone appointments with this " Relationship Manager '', and our last conversation on XX/XX/XXXX he told me that things were looking " nice ''. On or around XX/XX/XXXX I received a letter and packet from them dated XX/XX/XXXX stating that my application for modification was denied for lower credit and my income to debt ratio. With this packet, they sent me the following two options : Deed in lieu of foreclosure with up to {$10000.00} to restart my life or proof of a listing for a short sale by XX/XX/XXXX. In the interim, the property suffered fire damage for which I finally got payment from the insurance company in XXXX. This payment was in the amount of {$40000.00} and is sitting with their department. I have provided them with documentation to begin the repairs but they are still waiting for more. : ( What I had proposed doing is letting me have the required funds to perform the repairs and apply any remaining balance toward the mortgage. I have hired a realtor and will be listing the property on or around the XXXX of XXXX. I am also advised, by the mortgage company, that I can appeal this process and that will give me 30 more days that they will not pursue foreclosure proceedings. I really need some help here. I have been upfront and forthcoming with this lender throughout the process and have not been avoiding them and just feel that I am being punished for my honesty with them.
Product: Debt collection

The collection agency, Credit Management, is reporting to XXXX a debt I do not owe. I sent them a letter requesting validation of the debt and they did not respond. I do not owe the debt being reported. The debt is for the original creditor, XXXX XXXX. I currently have service with XXXX XXXX and they do not show that I owe them anything other than my current bill with them. I have uploading a copy of my current XXXX billing showing I do not owe a past due amount. XXXX XXXX recently changed their name to XXXX but it is the same account. It is common knowledge that XXXX XXXX does not allow people to open a whole new account if that person owes them a previous bill.
Product: Debt collection

I received a collection alert on my credit report from this company Credence Collection Agency. They first reported that I owed them money when in fact I don't. I paid this debt months ago to another collection company. Now they are reporting that the item was paid to them when in fact, again, I have never exchange money with them at all.
Product: Credit reporting or other personal consumer reports

I mailed on XXXX different occasions certified letters with tracking numbers for transunion to validate a few accounts and mail me back their actions. Ive received no response from them nor have they allowed or showed cause of validity of validation on my credit report for the accounts. 
Per 15 USC 1681 ( I )
Product: Credit reporting or other personal consumer reports

Experian emailed me on XX/XX/year> that there has been a change in my account information. I emailed their membership support email telling them I didn't change my account this must be fraud ; with no response. When I tried to log into my account the account email and phone number was change so I could not get in. When I called is was on their automated line going back and fourth with an automated system that kept hanging up on me because I wasn't there for any of it automated issues. The automated system kept refusing to send me to a human representative, and when I would say " membership has been hacked '' is would just respond with telling me to choose form it automated issues instead. After a quick online search it was clear this is a larger issue with Experian, it seems everyone that has had a account has had a account hacked.
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to get a loan... bestegg offers all credit welcome ... I have all the documents as I did the loan.they guarantee approval but redirected me to XXXX funds which is another loan company.that loan company directed me to a credit report site that charges XXXX a month with no mention of a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Equifax, XXXX, XXXX, and XXXX multiple times to correct the errors on my account. All 4 CRAs have violated my consumer rights by reporting inaccurate information and have failed to properly investigate my inaccuracies. Please see the list below : I have filed an FTC report # XXXX. These accounts are not mine and I have never been seen at any of these medical facilities. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX My car has not been repossessed and having trouble getting a report as proof. 
XXXX XXXX XXXX Repossessions
Product: Debt collection

called company they really spoke mean and threating to me, this was filled originally XX/XX/2018 its been 5 years, and they just refreshed this collection to collect again the name on judgement is XXXX XXXX that is not my name.
Product: Debt collection

USAA FSB Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$140000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting

On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This bank account was opened as XXXX many many years ago. XXXX was acquired by ING Direct, who eventually were acquired by CapitalOne. I had a scheduled bill pay for my rent that would ship the XXXX of each month for delivery by the XXXX. It's been in use for about four years and never been a problem. The XX/XX/XXXX payment went out as expected ( and fully funded ) on XX/XX/XXXX but on XX/XX/XXXX, my landlord called to inform me that the payment did not arrive. I expedited my landlord a paper check ( which cleared immediately ) and called the bank to stop payment. I was told I could receive provisional credit within 10 days, but it may take 45 for the dispute to be closed. The check did not arrive as a result of a failure by CapitalOne to deliver it by the promised date. The stop payment should be instantaneous ( this is XXXX after all ) and the funds should be returned to my account immediately ( or next business day, at the very longest ). I've now called twice, had my call escalated to a manger on both calls, and been told there is nothing they can do. At this point, all I want is my money back and to close my account. I'll never do business with this bank again.