23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a collection and late payment on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, this collection would have fallen off due to inability to validate, and the late payment would have come off as I was never late on this account. I am not receiving proper correspondence from the bureaus and at no time have I received proof of ownership for the collection account that is reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX   XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.
Product: Mortgage

Lender rejected appraisal report prepared by licensed appraiser contracted and paid for by XXXX XXXX XXXX recommended by the same lender.
Product: Mortgage

I did not receive my Mortgage monthly billing statement in XXXX 2015 for the XXXX 2015 payment from Green Tree Servicing , LLC.
Product: Bank account or service

On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?
Product: Checking or savings account

On XX/XX/XXXX I opened a chase account in XXXX branch. The banker used her computer to open the account. To access the account online and to create the XXXX account. On XX/XX/XXXX I notified my employer of the new account to deposit my checks. XX/XX/XXXX I received a letter from chase stating they closed my accounts due to fraudulent activity on my XXXX account and for me to call. I called and chase advised to go into bank and sign up for new account. Monday XX/XX/XXXX I go to chase to open a new account to provide my employer as the process payroll that Monday. It took 3 hours to verify and open a new account. The banker said if my employer deposit my check to close account they will transfer to new account. My employer had already processed to the closed account XX/XX/XXXX due to the delay in getting new account opened. Chase is now giving me the run around about my funds. The only thing chase can tell me is they are investigating it and my funds are in limbo. I am in jeopardy of being evicted if I cant get my funds to pay rent. Im have called numerous times and went into the branch and not getting any answers.
Product: Student loan

I was forced into XXXX  deferment XXXX XXXX XXXX due to a previous XXXX  deferment in XXXX. I did not need the XXXX  deferment because I was only attending XXXX  so I continued payments. XXXX has no record of my payments and refer me to Student Aide and they refer me back to XXXX. I have been working in the medical field since XXXX and my loan should have been discharged without XXXX inaccuracies! My original Parent Plus loan  was {$9000.00} and after 13 years Im still owning {$7500.00}. I was told to consolidate my Parent Plus loan and get on an IDR plan to receive and have my loan discharged. I did what was requested and still no loan forgiveness. I have several complaints in with Student Aide that have been either reviewed or pending since XX/XX/XXXX. XXXX does not effectively train their employees and inaccurate information is given to borrowers.
Product: Student loan

Aidvantage refuses to properly process payments and apply them to loans as appropriate. They send a bill wil the total due. They do not tell you that you need to make individual payments to individual loans in the bill they send you. They then penalize you for not paying a loan that should have put the payment towards. They tell you that you are delinquent. And that it is your fault for not paying the loan. They then tell you to mail the payment with a note saying how much goes to each loan. They then take 8 days after it arrives by certified mail to process the payment. After this they again send you another bill saying youre delinquent and owe more. They refuse to fox the issue and try to force you into autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two unauthorized inquiries From XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Debt collection

I was formerly a resident of XXXX XXXX XXXX XXXX. And I lived in that apartment with my Nephew after my husband divorced me behind my back and moved in with my neighbor downstairs. I actually moved into that apartment on XX/XX/XXXX. On the XXXX XX/XX/XXXX, I communicated to the apartment my intentions to move out of the apartment in 90days. On the XXXX of XXXX I put a call through to the apartment to confirm if my mail was received, they the apartment staff named XXXX told me they couldnt find the mail, so I re-sent the email immediately. The manager responded to me. She put a figure on the letter indicating that if I moved out Ill be charged {$2400.00}. I questioned it immediately because what my lease term indicated was that am liable to pay {$740.00} as my last payment, once I give 90days notice. She the manager XXXX XXXX refused to reply my email and also declined to see me, to talk about the email she sent me. I went to the office again on the XX/XX/XXXX to ask XXXX one the staff why the office keep lying to the other properties agents I applied to that I didnt give them XXXX XXXX XXXX any notice. She apologized to me, and we both went over the issues of how much and she confirmed that am only to pay {$740.00}. So on XXXXi moved and dropped the keys. Immediately I moved they closed my account, so I couldnt even pay online. They went ahead to put a wrong amount of & XXXX. The debt collection Agency contacted me and I replied them in letter wrongly dated because my nephew used XXXX date format. I expected the debt collector agency to write a second letter so I can clarify the error and also agree on resolution. But I think the figure has been predetermined even before I moved. Fortunately, a mail that was important to me was sent to my former apartment, so I went to see if I could get it, and that was how I found out my apartment has already been let out to a new resident in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in writing to Equifax credit reporting agency to block/remove a creditor from my profile. Equifax has failed to complete their investigation in a timely matter.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XX/XX/XXXX for which I believed to be only XXXX XXXX I go to look at my XXXX XXXX it say XXXX XXXX but when I go to credit acceptance it say XXXX XXXX which extremely high for a used car that I found out is only worth maybe XXXX XXXX, I've asked about lowering the payment no good, the car lot told me I would only be paying the XXXX XXXX but that's not the case and for XXXX months at XXXX dollars a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX   XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$4300.00}
Product: Debt collection

I was contacted by these collection companies about multiple debts that I am not aware of and do not owe. I sent a dispute letter asking for the debts to be verified as I have the right under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ] to dispute any inaccurate, incomplete, or unverified information listed on my credit report.
Product: Credit card

I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,
Product: Mortgage

In early XXXX I applied for some deferral assistance while I was unemployed. The company granted this assistance and then in XXXX I got a notice that the difference between the interest payments I made was coming due, so I called the company and they gave me an amount which I paid on over the phone. Then I started receiving foreclosure notices sayin I owed them more. I requested a payment history report which took months to get and then went over it with an accountant and we determined that they may have given me the wrong amount so I made an additional payment which was a payment in full according to my XX/XX/XXXX statement. I then received my XXXX statement saying I still owed them more. I was unsuccessful in getting answers from the company so I filed a complaint with the State of California Office of the Attorney General. They also requested payment history information. When the company sent that information they copied me on this letter dated XX/XX/XXXX stating that they now haven't received my XXXX payment and after checking with my bank that payment cleared my account on XX/XX/XXXX, so they either failed to do their due diligence or falsely reported information to the Attorney general. I did much research finding that this company has had many class action lawsuits and complaints with a private consumer affairs site. Since then every month when I make payments if they do not get to them by the first of the month XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are calling these payments late and charging me an {$82.00} late fee. I have made numerous attempts to talk to them and get absolutely nowhere. I feel this company needs to be looked into. I have since singed a deferral agreement for approximately {$3500.00} which I do not think I owe but have no other recourse at this time. I have also spoken with HUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
Product: Credit card or prepaid card

I opened my app for my Apple Card to see if I owed. It said XXXX payment is due. I clicked on it and it asked me for my thumb print. Next thing it showed was two payments were charged to my bank. On for around {$50.00} and another for over {$2000.00}. It also showed it already took XXXX payment a few days ago as well. I contacted Apple and they told me they cant return the money or cancel the payment even though I didnt agree to it. I can submit a dispute and they might refund the money. However I dont have {$2000.00} in that account and it is going to completely over draft my account. I didnt agree to these charges and they stole money I do not have! The bank is going to charge me so much for this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a fraudulent Chase credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called Chase, and all of the credit bureaus. I filed a dispute. It was found to be fraud. Chase said they sent all of the information to the credit bureaus. Experience then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from Chase. I called Chase and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from Chase and therefore cant take anything off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again.
Product: Money transfer, virtual currency, or money service

Money was transferred in and out of my account for multiple charges reached out to customer service and problem did not get resolved!
Product: Credit reporting or other personal consumer reports

Aspire XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to Aspire XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with Aspire was closed on XX/XX/year> after notifying Aspire to effectively shut the account down. Aspire notified XXXX that the account was closed on the above date. Aspire failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows Aspire as being currently open and active and has an update on XX/XX/year>. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that Aspire has failed to follow 15 USC and properly report credit to protect consumers.