23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I'm writing regarding a private student loan taken out through XXXX XXXX XXXX XXXX XXXX in XXXX that went into default and then became a judgement against my co-signor and myself. The Consumer Financial Protection Bureau brought a claim against XXXX which became a judgement in XXXX stating that XXXX and it's servicers practiced illegal collection activities and falsified court documents to collect judgements against loan holders that they were not entitled to. 
I believe my loan is part of the class of loans that were fraudulently filed and had falsified documents to procure judgments against the loan holders. In my complaint you will find documents that prove my loan is part of the class of loans that are to be audited for accuracy, as well as additional information supporting my claim. 
I'm requesting that my loan be audited and have all collection activity ceased on our behalf until it can be proved that it is either legitimate and has the right to be collected on, or that it was filed with falsified information and indeed unlawful. I would like the outcome to follow the description in the judgement filed against the XXXX  ( court case number : XXXX ) I would also like my information to be updated as a lawsuit class member. 
In XXXX my co-signor and I took out a private student loan in the amount of {$20000.00}. It defaulted later that year as I was no longer in college and unable to make payments. Collection activities began immediately and by XXXX I was receiving threatening and unrealistic debt collection attempts from TransWorld Systems. In XXXX I was told if I didn't pay them {$2500.00} upfront and {$450.00} a month they would take me to court. I offered {$200.00} upfront and {$100.00} a month and they refused to work with me. 
The paperwork filed with the courthouse, ( Plaintiff ) states that we were served in XXXX for a judgement hearing against the defaulted loan, in which the court granted a default judgement in the plaintiffs name. A few things I would like to point out about this court paperwork and process : - The name on the complaint : Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX ; a XXXX Statutory Trust ( please see documents - shows that our loan is part of the lawsuit ) - The paperwork filed with the courthouse states that ( Plaintiff ) " lost '' original paperwork that was served to us ( Defendent ) but to the best of their knowledge the information was correct. ( see documents ) - I don't believe that the dates that we were served are true and correct on the court paperwork, but as the they stated that they lost the original paperwork, there is no way to be certain. 
-They also stated that the loan principal balance was {$29000.00} - we took out a loan for {$20000.00}, Interest in the amount of {$6100.00} from and before XX/XX/XXXX, as well as fees for a total of {$36000.00} This amount is almost double the total we took out 7 years earlier.
Product: Debt collection

In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

The accounts that are reported inaccurate as followed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was in a fraud case. The people sent me money and I was to get it back to them. They said this way they could trust me. So I tried to send back. I sent XXXX back per code at XXXX. And then a gift card from XXXX for {$500.00}. I stopped after that. I figured something was wrong. Called bank and let them know. Bank is making me pay XXXX. They said scene I did it willingly I have to pay it. I did not know I was caught in fraud.also worker at XXXX XXXX said IHad two days to pay money back. That they could turn over to collection. That theyd let all the banks know
Product: Debt collection

In XX/XX/2024, XXXX XXXX XXXX XXXX XXXX began the garnishment process on a previous judgment for {$1500.00}. I immediately contacted them to settle the debt. During a recorded call, I repeatedly asked if paying the judgment amount would close the related collection accounts and was assured it would. 

On XX/XX/2024, I received a letter demanding full payment within 72 hours. This included the originally settled collections, surprisingly listed with a {$0.00} principal balance but accruing interest charges totaling {$150.00}. It is concerning that interest is being applied to a zero balance. Confused, I contacted the company. On XX/XX/XXXX, a representative explained these were " garnishment fees '', despite never mentioning this during the original settlement. Their tone was rude, and they pressured me into full or partial payment to avoid these fees. This contradicts our previous agreement. 

I suspect this company is engaging in deceptive practices and potentially violating the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Bought a car from XXXX XXXX, a third party obtained my information ( XXXX  ) XXXX XXXX XXXX XXXX XXXX and has reported to the credit bureaus that I did not pay them even though I have sent the lien release showing on XX/XX/year> I paid my car off and it was released from any lien from XXXX XXXX  who I had a contract with. 
I have requested multiple times from XXXX to provide any documents with my signature and them not XXXX inwhich I had an agreement for an additional loan on my vehicle. They have failed to provide that. Several complaints have been made to XXXX  and attorney general as well as requesting credit reporting to remove it and asking same documents. I have still not received any documents between XXXX  and I that has mine or my husband 's signature on it with them. They are not part nor do they own XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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: Vehicle loan or lease

I had a double car payment taken by BMO Harris ( XXXX on XX/XX/XXXX, and another on XX/XX/XXXX ). Upon realizing the problem i requested XXXX of the payments be refunded to me in a cashiers check on XX/XX/XXXX from their customer service department. I was told my check would be sent out in XXXX business days. On XX/XX/XXXX after not receiving a check yet, i called their customer service department again. The representative that time told me that the initial request was denied ( due to improper information entered on their end, but noone ever tried to contact me to inform me of this ). He agreed to resubmit the request with a request to expedite on XX/XX/XXXX. Today, XX/XX/XXXX I still have not received the refund. I was told " improper information was entered '' once again and theyd have to resubmit ( which they did again, a third time ) I asked to speak with a manager pertaining to auto loans to determine why I cant seem to get my double payment refunded and was connected with a " Customer Service Specialist ''. She refused to give me further information ( referring to it as internal information only ), refused my request to speak with a member of management ( telling me that department is not accessible to speak to by customers and that there is no manager. She referred to herself as the " highest rung '' for customer service requests. I received no answer for the failed refund request, was denied additional information or an assurance my request would go through this time, and also denied my request to speak to a manager in charge. I now owe this months vehicle payment and still have no received a refund from last months double payment despite XXXX attempts. I would warn anyone against doing business with BMO Harris on an auto loan, and I am not sure where else to turn to get my money refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion several times to remove the unauthorized inquiries from my report. The attached credit report shows the inaccuracies and that in the last 2 years i only have 4 authorized inquiries with XXXX  and 0 with XXXX How is it possible to have 14 with XXXX  alone if the consumers run all 3 reports. This violates the FCRA by having this inaccurate unauthorized inquiries on my report.
Product: Checking or savings account

Opened an account with Chase bank XX/XX/XXXX Everything was fine got approved got my temp card, ordered checks made deposit on both checking and saving account. 
2 weeks later Notice i wasnt able to use my card to purchase anything after I activated my card Call XX/XX/18 they stated that they closed my account without noticed - they refused to tell me why no explication or no rsolution to fix the issues ... I feel I have the right to know my history or atleast why they denied keeping my account open with chase.
Product: Mortgage

We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im XXXX XXXX XXXX, I called all three credit reporting agencies about inquiries on my credit report Equifax, XXXX and XXXX, their failing to and refuse to help a consumer, by denying me the right to dispute information on my reports that I find fraudulent, I do not want a fraud alert, these agencies are very unprofessional they have people that does not understand federal law, example I gave a call to Equifax hung up on, transferred constantly, rude, then I spoke to someone I couldnt even understand, this is the kind of professionalism you none, I want these inquiries removed I will list them and make attachments, I recently found more, 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, these are on my credits reports one then once, and others are not all on the same report please remove inquiries, and please do not use and excuse I am the one filling out this information, and filed a FTC identity theft report, please remove all inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I write in response to a fraudulent Capital One account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Capital One card was adversely impacting my credit. I immediately called Capital One to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Capital One account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Capital One comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Product: Debt collection

I switched carriers since XXXX was not capable and did not had the resources to provide services to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested the final statement, yet. the company instead sent the balance to a collection agency which contacted me since before XXXX XXXX in violation of the Fair Debt Collection Practices Act. The company did not sent a final billing statement for charges, in violation of the XXXX XXXX Billing Act, and the debt collection agency never identified as such and made threats. The account was not even 30 days pending, the account was never refused to be paid, and was not paid on the moment of transferring the lines because the company was not capable of reproducing a billing statement. 

I am asking the agency to assume jurisdiction and apply all punishable measures by law to the company and its debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX  is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Mortgage

I request the production of the promissory note associated with the financial agreement between us. It is crucial for both parties involved to have access to the original promissory note, as it serves as a key document outlining the terms and conditions of our agreement. 

To ensure transparency and clarity in our financial dealings, I kindly request that you provide the original promissory note for my records. This request is made in accordance with my rights as a party to the agreement. 

Please provide the requested document. 

In order to ensure transparency and compliance with applicable laws, I kindly request that you provide the following documents : A copy of the original debt agreement or contract. 
Proof of the assignment or transfer of the debt to your entity. 
Any legal documentation demonstrating your right to collect on this debt.
Product: Vehicle loan or lease

I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.
Product: Checking or savings account

On Wednesday, XX/XX/year>, I attempted to make a transaction of about {$3.00} but was declined multiple times. I contacted Ally Bank via their web chat service to inform them it was a legitimate transaction and to allow me to complete it. 

After nearly XXXX hours of discussion, they deactivated my card and issued a new one without my informed consent. They refused to lift the hold on the transaction. When I asked about how I would make the transaction once I receive the new card, they replied that I can not and it would be marked as fraud again with no ability to lift the hold. 

I am now unable to make a legitimate transaction with my own money because Ally Bank says they have no ability to lift a fraud hold once it has been triggered. I can not spend my own money in the way I want to for legitimate reasons because Ally Bank 's fraud " hold '' is not a hold but a carte blanche inditement of all transactions their automated system believes is fraudulent. A " hold '' implies there are possible ways to resolve the situation. This is not the case according to the agent and supervisor I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal Law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report.

Experian is reporting inaccurate information with these accounts and not giving out proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Experian is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my accounts and inquiries. I want them to disappear forever. I have no idea how they appeared in my credit report but I want them to disappear as they are not mine. I am victim of identity theft and please help me. Please check who could use my personal information and apply serious investigation.