23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.
Product: Vehicle loan or lease

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau, I intend to keep a log of any correspondence from your agency made after receipt of this.
Product: Credit reporting

On XXXX XXXX, 2016 I initiated a dispute over a {$100000.00} tax lien that was withdrawn by the IRS in XXXX 2016, as well as filed with the XXXX County court a notice of withdrawal. The IRS contacted XXXX, XXXX and Equifax , and while XXXX and XXXX removed the lien from my credit report without any intervention from me, Equifax was and is still reporting it. 
When I saw Equifax still listed the lien as a public record, I filed a dispute. The response I got was that they had " verified '' the public record item was reporting correctly. Curiously, the amount of the lien suddenly became {$10000.00}, not {$10000.00}. 

When I saw there was a second dispute opened, I assumed someone at Equifax had noticed the error and they were fixing it .... but no. The second dispute 's results came back identical - that they had " verified '' the public record item and it was reporting correctly ( and still had the lien listed at {$10000.00} ). 

They clearly never even attempted to verify anything, otherwise they would see the lien was withdrawn and the documents were filed with the XXXX County court on XXXX XXXX, 2016, document # XXXX. It 's publicly accessible. 
Not only did XXXX different Equifax employees lie about " verifying '' this lien, but to be in the business they are in, basically holding people 's lives in their hands, and yet they make a careless typo like changing {$100000.00} to {$10000.00}. 
I have filed another dispute, confirmation number XXXX, and included proof that the lien was withdrawn, but I have no faith that some Equifax wo n't just push a button labeling my " verified '' again.
Product: Mortgage

XXXX XXXX had a substantial loss of income due to XXXX and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save his home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at SPS, to have his assistance request reviewed fairly and in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute request to XXXX, as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. This is now my third attempt at submitting this complain, since XXXX is requiring an authorization. I reached out to XXXX directly on Friday, XX/XX/XXXX at XXXX XXXX EST and spoke with XXXX. XXXX advised the disputes were complete, but no change was made to my report. That obviously can be true since they're reporting incorrectly. Which lead me to next questions. Who validated the debt and what tools were used to investigate my dispute? 

XXXX advised he was unable to provide me with that information and advised I should contact the creditor. That's complete XXXX backwards seeing as how XXXX is the one impugning my representation with their inaccurate reporting. That's compounded by the fact that they didn't even perform a legitimate and reasonable investigation. 

As a consumer, protected under the FDCPA I'm entitled to know the details of any investigation in the matters of MY consumer report. Furthermore, any investigation of any erroneous, inaccurate or unverifiable 'so called debit ' is required to be handled within 30 days unless notified by the Bureau . 

XXXX is violation of the FDCPA as it pertains to the FCRA. Without covering, each article of FCRA I've determined XXXX has violated on at least 5 times, which carries a penalty up to {$1000.00} per occurrence. 

This is my last and final attempt before I submit a formal demand to be filed with the court requesting restitution. 

I am not a lawyer, but a 'natural person ' and a consumer. I demand XXXX provide remove these items from my report immediately and provide proof of the alleged debt, along with their mode of investigation.
Product: Debt collection

Credit Corp Solutions called my XXXX  year mother 's house today and threatened her. Asked if she had the she name as someone else. ( me ). I called them back and told them I only communicate through snail mail a d they are getting my mother 's number illegally and they said she is trying to find me because they can't find me. They have my address and sent me mail. I am disputing this.
Product: Vehicle loan or lease

Hello I decided to get A car from a dealer in year XXXX and had to pay a company called Cfs acceptance The payments were made monthly in the amount of XXXX $ sometimes XXXX $ monthly since XXXX/XXXX/XXXX I never bothered even thinking that once I paid off my car I was not going to have car title. I paid for it so I deserve my car title I attempted to call text email, going to their place and they were never there I waited and waited it 's time consuming, stress, ca n't sleep I want to know what can I do so I can get my car title one of the front desk ladies from cfs acceptance company told me now you will be making payment to a new company called XXXX XXXX XXXX so I asked why and how schould I make the payments same way you are now she says so I did I never had a problem with them so I made my payments through the XXXX XXXXXXXX XXXX I call cfs acceptance she gives me XXXX XXXX phone number so I can know my balance because I realize I think I over paid my car I schould be done. By now since I made calculations on my calendar So I call and XXXX XXXX XXXX says we have n't received payments since XXXX XXXX I 'm like wait a minute their must be a mistake so I have receipts of all payments made to cfs acceptance and where is the money that was deposited in XXXX XXXX card since XXXX who kept funds? Since they were never transferred to the new company since they were taking over I do n't understand I told XXXX XXXX my situation and they ca n't do much for me even if I sent them my receipt proof of payment they never received any payment since XXXX so according to them I wo n't be credited for amount paid please reach out to me and let me know what schould I do what will be next step
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair
Product: Credit card or prepaid card

I am going through a severe financial hardship with my credit cards due to a job loss and I called my banks to ask for help to help me avoid filing chapter XXXX   bankruptcy. A few of my creditors were very nice and offered me great terms to repay my debt and stave off a chapter XXXX bankruptcy. My nightmare started with XXXX XXXX, whom I have several accounts with. I called them and was transferred to there collections department and I was trying to explain to them my situation and was met with the most frustrating customer service experience ever. I could not for the life of me understand why every time I spoke I was met with silence for 20-30 seconds awaiting a reply, and then the reply was an uncooperative and she seemed to simply not understand the nature of the call, no matter how many times I tried to explain it to her. I was CLEAR that I had just gotten off the phone with XXXX and they offered me 0 % interest for 60 months to pay off the debt, which significantly reduced my monthly obligation that provided a big relief. I simply was asking for a similar program, but was met with the worst person to ever handle a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of XXXX XXXX. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX with XXXX  a my mortgage company Volunteer Mortgage Loan Servicing located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with XXXX  on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. XXXX  did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from XXXX   showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.
Product: Debt collection

on XX/XX/XXXX I disputed account asking to verify or delete as I do not recall having debt nor account open with this company. I mailed my disputed via mail with a certified and return label. Certified receipt tracking # XXXX. Returned label was delivered on XXXX XXXX 2023 @ XXXX XXXX  and I still have not heard back from company with any answer nor verification documents on debt. More than 30 days have passed and no response. I have tried multiple times calling creditor at XXXX and my call has not been able to get through and able to talk to rep.
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 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. 

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

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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  XX/XX/XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the accounts following an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote these letters to them over 1 month ago with no response. Please assist me.
Product: Credit reporting or other personal consumer reports

Late notations on my account XXXX  XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Credit card or prepaid card

Capital One has consistently increased my interest rate on two of my credit cards despite that they are paid as agreed. I primarily make purchases, and they are only increasing the interest rate on purchases. For example, one credit card has been steadily increased to 23.65 although the cash advance percentage rate is 19.99. Th other credit card has a 18.90 interest rate on purchases that has also been gradually increased but the cash advance interest rate is 15.84. I also do not make cash advances on this account. Finally, the card I rarely use except to keep active ( I pay it off when making purchases ) has not been raised. The rate is 10.84 and the cash advance rate is 15.84. My credit score is well over XXXX. All my credit is paid as agreed. This is what is weird. It is well known in the industry that cash advances are a much higher risk than purchases, but the only account that has a lower cash advance rate is the card I rarely use. It appears Capital One is deliberately hiking rates on cards with active purchases in order to drown the customer in interest. I 've never been so disgusted with a company in my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i wrote you about these accounts and didnt get a response. I also wrote you on the XXXX XXXX XXXXXXXX which was last year.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ).

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes. I regret that I am obliged to take such action. As you are aware, federal law compels you to react within 30 days ; yet, you have not responded.
Product: Debt collection

Wakefield and Associates contacted me about a medical about a month ago. The person I was speaking with was use an incorrect mailing address for me, I informed them about the error. They said that they were going to send a new statement to my correct mailing address. This never happened they never sent a notice to the new mailing address. 

With no further communication they added it to my credit report when I spoke with them they refused to send me documentation that was sent out as I had requested. 

I am a contractor and my personal credit report is one of the factors in determining my bonding rates. I had not choice but to pay what they said I owed to day to clear up my report. 

Again other than one phone call, which I was told that they would be sending out a notice to my correct mailing address I never had any othe communication with them. 

This can be verified a member of my staff who processes the mail daily they never send a single correspondence to mailing office. 

If you need any further information or have any questions please contact me cell XXXX fax XXXX email address XXXX, mailing address XXXX XXXX XXXX XXXX CO XXXX. 

Thank You for your time and cooperation in this manner. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been trying to close my account and I was assessed XXXX  monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.
Product: Mortgage

as stated in my XX/XX/XXXX complaint, select portfolio services ( SPS ) is a predatory loan service and foreclosed on my deceased parent 's home during the covid19 federal mandate NOT to foreclose on ANY homes! SPS claims that because they " started '' foreclosure proceedings " before '' covid19 federal mandate was approved, SPS are in the clear to foreclose on any homes. My deceased parent 's home was foreclosed, the excess proceeds are being held by a non-disclosed 3rd party instructed by SPS. 
XXXXper SPS instructions regarding XX/XX/XXXX complaint, Supposedly the foreclosure attorney ( which SPS did NOT give contact info ), was to " help '' explain where the rightful heirs could obtain their proceeds from the illegal foreclosure sale that happened on XX/XX/XXXX, I called ombudsman at SPS spoke to a XXXX # XXXX and she gave a very inexplicable response as to where the excess proceeds are located and how the rightful heirs can obtain them, SPS also referred me to the XXXX XXXX XXXX 's office and they confirmed there are NO excess proceeds at their offices XXXXI called SPS ombudsman office back spoke to a XXXX XXXX and she refused to allow me to speak with a supervisor in order to escalate the issue further, furthermore SPS refers me to a non-existant foreclosure attorney PHONE NUMBER meaning as soon as you confirm the acct # they transfer to a dead phone line/vmail system that will NEVER answer
Product: Vehicle loan or lease

On XX/XX/XXXX I purchase a used XXXX XXXX XXXX XXXX and dealer placed it through Ally Bank. I purchased GAP , Road Hazard, Maintenance plus additional warranty coverage through XXXX XXXX but cancelled it 2 days later. XXXX sent Ally four ( 4 ) separate checks {$520.00}, {$890.00}, {$1900.00} and {$2100.00}. 

XX/XX/XXXX Ally processed the {$520.00} ck as my 1st pmt. and therefore took out {$100.00} in interest. 
XX/XX/XXXX I paid online my first payment of {$420.00}. Since Ally says the above {$520.00} was a payment and not a refund I was paid ahead and I had to force them to accept my real payment ( again taking out more interest ). 

XX/XX/XXXX Ally processed the {$2100.00} check and again took out {$55.00} in interest. 
I have " chatted on line '' since that's the only way you can talk to anyone on : XX/XX/XXXX and again on XX/XX/XXXX. My chat on XX/XX/XXXX stated that the finance charges will be processed to my principal balance in 1 to 2 business days. Didn't happen. 
XX/XX/XXXX lengthy chat. Briefly, I was told multiple times " my position is not enough to fix your problem ''. 
I will send a copy of both chat sessions and I apologize beforehand for my anger.