23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home.
Product: Credit reporting or other personal consumer reports

As per guidance from the consumer financial protection bureau, the document needed and letter from an advocacy group helping me due to human trafficking, dead bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -5 - - 1002.142 ( b ) ( 7 ). I kindly request that you block his information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. I am a victim of human trafficking Of debt bondage and would like for all listed accounts to be blocked and deleted company information Trans Union. Please delete the following accounts. XXXX XXXX, XXXX {$1900.00}. XXXX, XXXX {$1000.00} XXXX balance {$550.00}. and XXXX, XXXX {$8300.00}
Product: Credit reporting or other personal consumer reports

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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accountsXXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit Management posted a Collection to my credit report the day after the balance was paid in full to the original creditor.
Product: Student loan

I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.
Product: Credit card or prepaid card

I tried to close my account due to an upcoming annual fee, so I contacted the credit card issuer for this matter. They said they will close it and clear the balance, so I didnt need to do anything and worry about anything. This initial communication happened in XXXX, and I was just informed by the credit reporting bureau that my account is past due and my debt was sent to collection. Ive tried to contact the Barclays XXXX for the last 2 months, and each time they told me the same thing : dont worry about it. We will take it off in 1 billing cycle, but now they want me to pay in full + interest. Customers please be aware!
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 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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: Student loan

As of XX/XX/2022, I am a XXXX XXXX XXXX pursing my XXXX XXXX XXXX in XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX  XXXX During this program, I am not employed, have no steady disposable income, and am paying for housing and other necessities by way of XXXX XXXX XXXX and XXXX XXXX XXXX 

Firstmark Services, who service XXXX private loans for previous educational endeavors, refuse to grant me in-school deferment for the time I am pursuing my XXXX. It was verbally relayed to me during the XXXX XXXX XXXX  I would be eligible for in-school deferment. I can not recall the actual date. I submitted the appropriate confirmation of my status as a XXXX XXXX. They continue to reject this much needed deferment, thus seriously damaging my credit score and causing mental distress.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was looking over my credit fi le and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : 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 . I HAVE FILED A CFPBAND XXXX POLICE REPORT
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : 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. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.
Product: Debt collection

In XX/XX/XXXX, I cancelled my home monitoring service with XXXX. The account was prepaid a month in advance. 

In XX/XX/XXXX, XXXX contacted me about a refund check that they issued but was uncashed because I never received it. XXXX then re-issued a refund check to replace one that I never received to compensate me for the remainder of the month not used when I moved. 

In XX/XX/XXXX, I cashed the check for {$46.00} On XX/XX/XXXX, I received a collection letter from Credit Collection Services XXXX XXXX, MA. I called the office and spoke with XXXX XXXX who instructed me to pay the refunded amount with the first refund check I never received. He was not listening and did not take note of the facts of the matter. I have a copy of the refund check and letter. XXXX first told me the account was " written off '' which is ridiculous as it was money owed to me not owed by me and they sent it to a collections company which did not inspect any of the documents even after my dispute. Then XXXX told me that I was sent to collections because they stopped payment on the first refund check but failed to verify that it was never cashed even though that was the reason they contacted me in the first place- to collect an uncashed check. I have no clue why they would think this is my responsbility as I have no access to their bank account. 

I was sent to collection for an amount I OVERPAID within XXXX weeks of cashing the refund check. This is completely unacceptable and I will not do business with XXXX again as they are still unable to correct this problem.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$2000.00} was stolen from my checking account through Cash App and they will not respond to my email regarding this. I tried fixing it through my bank but they will not refund my money as fraud because Cash App is not responding to me so that it can be proven that I did not authorize the transaction.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Trans Union credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of incurred by XXXX XXXX opened XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX, XXXX Site Ca opened XX/XX/XXXX, XXXX opened XX/XX/XXXX XXXX CPA opened XX/XX/XXXX XXXX opened XXXX., XXXX opened XX/XX/XXXX, XXXX opened XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the private account XXXX, XXXX XXXX  on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that XXXX Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this CFB complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this CFB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Bank of America report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from XXXX saying I have a delinquent showing in my fico score. I gave BOA a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but BOA did not remove the delinquent from me fico score. I tried to call BOA and XXXX multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.
Product: Credit reporting or other personal consumer reports

I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  and Experian thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet
Product: Student loan

My monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. 

I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). 
However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. 
Questions : Why was my payment not applied based off my statement? 
Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I have lived in my home for almost 43 years. 
I began writing my history of how everything led up to the problem I am going through, but I know that you may be interested in specific facts. 
My most current problem is that even though I have been going through a short sale, and the first bank that I owe called XXXX XXXX, was working fine with my buyers, Chase, the secondary loan bank, which was actually a predatory loan, back in XXXX  or XXXX, ( I had just refinanced, in order to fund a group of people who were going to work together to buy and flip houses ) The same Chase loan person called me and said that I had so much equity in the house, why don't I get a Home Equity Line of Credit, I told him that I didn't need it, but he said, well you have all this equity, any time that you need anything you can just write a check. I agreed to it. But did not touch it until I wanted to help my daughter with a vehicle she had purchased, and the plan was to pay me monthly instead of paying high interest. That didn't pan out. 
Okay, so, Chase, who in a short sale would normally get a small amount because the first loan would get the bulk of the short sale, began demanding more money and creating delays in the short sale. I had gone through a chapter XXXX Bankruptcy last year, and just no longer had enough income to pay around {$400.00} to settle both loans. Also, and this has been a very big injustice, even though I tried to modify the loan with XXXX 5 times, at least, kept me at 7.5 % interest, even though President Obama had put out that banks should make it easier for homeowners. They still have me at 7.5 %, and so the debt goes higher and higher. I have adjourned foreclosure many times, and now because of Chase, demanding more, XXXX has taken the short sale off the table. I am XXXX years old and had a very XXXX XXXX XXXX of the XXXX  XXXX  XXXX  being XXXX. I was planning my future to have some moving expenses made available to me through the short sale. Now, the foreclosure is coming up on XXXX XXXX, and I have no money to put 43 years of belongings into storage. 
I endure XXXX  XXXX  XXXX, but I keep working as a XXXX XXXX. Chase has been present at the scheduled foreclosures in order to bid on my home. I believe they are creating this short sale problem to be able to get the home through foreclosure. XXXX XXXX attorney has pretended not to know this. 
I was my mother 's caregiver for 9 years here in this home. My father, XXXX Veteran wanted to stay here, but he moved out and my brother cares for him. 
I have documents to support what I am saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # 49 Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I checked my credit report and there is a company called XXXX on my report stating I owe them {$1700.00} for what I do n't know. I wrote XXXX and they said to write XXXX, so I asked XXXX to validate the debt, they sent nothing to me. Then I wrote XXXX and asked them to remove the mark from my credit report and they will not, the keep saying XXXX satisfied them that this was my debt, so I in turn asked XXXX to send me the information they have from XXXX, since XXXX will not send me anything. XXXX refused and told me to call XXXX ... ... .I told XXXX I do n't called bottom feeder debt collection agencies and that I had previous sent mail requesting validation XXXX times since XXXX XX/XX/2014 but XXXX is keeping this bad mark on my credit report and will not remove it. Of course XXXX and XXXX are in cahoots to scam money out of hard working people.