23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello Staff, As you read my experience, please let me know how to get this loan withdrawn. 
I visited the location on you chose for me on XX/XX/20 only to be misinformed and bullied into a loan while I was under the influence of XXXX and other XXXX XXXX  drugs. 
1. XXXX introduced herself as a representative of XXXX XXXX XXXX, I had to stop the XXXX for this introduction. 
2. I told her my annual salary is less than thirteen thousand dollars and I don't work full time. 
3. She said she will take care of it, walked away from the XXXX  XXXX  and I resumed XXXX. 
4. She interrupted the process again to state I was approved for a loan with XXXX XXXX or XXXX XXXX and XXXX  is offering XXXX XXXX XXXX XXXX dollars thus the costs will offset. 
5. I wasnt told my credit history is required neither did I grant her permission to do so. 
6. I drank XXXX  XXXX which the XXXX  said will calm me down and check my XXXX XXXX to XXXX. 
7. About five minutes after XXXX returned and told me XXXX awarded me XXXX XXXX XXXX XXXX dollars for treatment. 
8. I couldnt celebrate because at that time I was really drowsy and wanted to go home. 
9. The XXXX  then informed me of a XXXX  XXXX  in my XXXX  which is going to my XXXX  and could lead to XXXX. 
10. Two years ago I attended my Moms funeral only to learn that she was XXXX before her last days, this scared the heck out of me. 
11. The XXXX also said that I must XXXX  the XXXX  today or the worst could happen. 
12. I agreed, no cost was discussed. 
13. I received XXXX XXXX in my XXXX  XXXX  XXXX. 
14. Then the woman from the reception area asked me to sign some papers which I did sign based on her showing me where to sign but did not read anything or was the document explained to me. 
15. Two days later I read the documents and realize the cost for work on my mouth ( XXXX  XXXX  for XXXX XXXX is XXXX XXXX XXXX dollars. ) 16.  Actually I did not receive a XXXX but that was a form of deception used by XXXX. 
17. I contacted LendingClub by email on XX/XX/20 asking for a copy of the application and an explanation of my approval for the Loan. She refused to provide me any document and suggested a phone call for me to verify my account. 
18. I emailed XXXX XXXX from XXXX XXXX XXXX  on XX/XX/20 asking for an explanation of the approval process but did not get a response. 
19. I called XXXX on XX/XX/20 about XXXX XXXX, spoke to XXXX XXXX who informed me that my application is showing a annual gross income of {$0.00} but I was approved based on my credit history. 
20. On XX/XX/20 I received another offer from LendingClub showing an increase in loan amount from {$11000.00} to {$14.00} and interest rate of 26.99 %. 
21. On XX/XX/20 I was rushed to the emergency room at XXXX XXXX Hospital due to XXXX  of the XXXX  and had corrective work done on the same XXXX.
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 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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

Formal Request for Student Loan Discharge Due to Privacy Breach I am writing to formally request the cancellation and discharge of my student loan debt due to a breach of my personal and financial information without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ensures the confidentiality of student records, and this breach constitutes a clear violation of FERPA and your obligation to protect my sensitive information. 

Given the severity of this breach and its impact on my financial security, I respectfully request that my student loan debt be fully canceled and discharged. I urge you to take immediate action to rectify this situation and provide written confirmation of the resolution. 

Please consider this a formal dispute and respond within 10 days in accordance with applicable regulations.
Product: Debt collection

THIS ON MY XXXX AND XXXX REPORT THEY HAVE BEEN REPORT FALSE INFORMATION ON MY CREDIT REPORT THE AGENCIES THAT ARE REPORTING OPEN ACCOUNTS ON MY CREDIT WITH NO ACCOUNT NUMBERS SPECIALIZED COLLECTIONS {$54.00} {$54.00} {$580.00} {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} DEPT OF EDUCATION HAS LATE PAYMENTS WHEN XXXX SHOWS PAYMENT HISTORY THAT GOES AGAINST US CODE 1666 AND 1666 ( b ) I HAVE SENT SEVERAL LEDTTERS FOR THEM NOT TO CONTACT ME ALSO THE INFORMATION THAT IS ON MY REPORT AS FAR AS MY ADDRESS AND NAME ARE NOT ACCURATE. THERE ARE SEVERAL HARD INQUIRIES ON MY MY CREDIT THAT I DID NOT APPLY FOR AND ALSO XXXX WAS ENVOLVED IN DATA BREACH LETTING ME KNOW VIA EMAIL. I HAVE REQUSTED NO CONTACT FROM THESE AGENCIES AND THEY HAVE VIOLATED MY CONSUMER RIGHTS BY PLACING FALSE INFORMATION AND PLACING ITEMS ON MY CREDIT REPORTN IS A FORM OF COMMUNICATION.

ACORDING TO 12 US CODE1681i, 15US CODE6802, 15 US CODE 1681b2, 15US CODE 1681 ( 4 ) AND US CODE 1692 ( g ) IS HOW THEY HAVE VIOLATED MY RIGHT. I AM AWARE THEY CAN PURCHASE DEBT BUT NOT MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXX XXXX XXXX I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XXXX IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX. LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING US! NO RETAILATION WILL BE TOLERATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong account was disputed back in XX/XX/2019 through XXXX XXXX, this account was a good standing account which I was a authorized user that my mother in-law XXXX XXXX put me on her account. The creditor company name was changed from XXXX home to XXXX  network, I was told from trans union that this account was deleted and effected my score I asked trans union to please put my history account back nothing happen. And creditors refused to report this account back, they told me they cant report close account, this is a wrongful disputed account please help me to get this account back on my credit report all my information are correct this effected my score when trans union deleted a positive account from my credit report help please.
Product: Debt collection

Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll-Free : XXXX Subject : Formal Dispute & Cease Collection Request for Unjustified Debt To Whom It May Concern, I am writing to formally dispute the debt referenced under Account # XXXX related to XXXX XXXX XXXX XXXX The collection attempt by your agency is unjustified and must be ceased immediately for the following legal reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Invalid Debt Post-Eviction : The XXXX XXXX XXXX and Sheriff 's Department confirmed that an eviction was lawfully executed on XX/XX/year> ( Case No. XXXX XXXX XXXXXXXX ). Under Florida eviction laws, once a tenant is lawfully removed, they are no longer responsible for payments beyond the eviction date. Any further collection attempts on a terminated lease constitute deceptive and unfair practices under the FDCPA. 

2. Violation of the Florida Consumer Collection Practices Act ( FCCPA ) - Florida Statutes 559.55 et seq.

Unjust Collection Practices : The FCCPA prohibits collection agencies from engaging in abusive, deceptive, and unfair collection practices. Continuing to pursue a debt after a lawful eviction and without proper validation violates these provisions.

3. Unlawful Third-Party Debt Sale Without Proper Notification - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g Lack of Transparency : My account was transferred or sold to a third-party collector without proper written notification, violating FCRA 1681g, which mandates transparency in consumer financial obligations.

4. Failure to Honor Partial Payment & Unfair Collection Practices - Consumer Financial Protection Bureau ( CFPB ) Regulations Unacknowledged Payment : I made a payment of {$3500.00}, yet the eviction proceeded without proper crediting of the payment, violating fair debt collection standards. Under CFPB regulations, a creditor or collection agency must account for and adjust payments received before pursuing further collection actions.

5. Protection Under the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX. XXXX Domestic XXXXXXXX XXXX XXXX  : At the time of eviction, I was enrolled in a XXXX  XXXX XXXX  assistance program, granting me legal protections against unfair eviction and financial penalties. Continuing collection actions against me disregards federal tenant protections for XXXX  XXXX XXXX  and may constitute unlawful retaliation. 

6. Violation of XXXX XXXX XXXX XXXX Local Ordinances : XXXX County provides specific protections for tenants, especially those who are victims of XXXX  XXXX. Pursuing collection actions under these circumstances may violate local tenant protection ordinances.
Product: Credit card or prepaid card

Certified Mail # : XXXX  XXXX Discover had discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. Discover has provided the reasons for discrimination against me which includes my credit score. Based on Discover 's policies and the Consumer Reporting Agency my credit score is insufficient to deny my credit approval. Im extending my credit to Discover.
Product: Debt collection

Received a phone call from Brown & Joseph, LLC on behalf of XXXX on XX/XX/XXXX stating they are trying to collect an overpayment from a Long Term Disability Claim from XXXX. I never received any documentation from XXXX regarding an overpayment in XXXX and do not think it is legal to come after me 8 years later when I no longer have access to documents to substantiate the claim. XXXX has confirmed that they forwarded this claim to Brown & Joseph in a letter sent XX/XX/XXXX. I have a letter from Brown & Joseph dated XX/XX/XXXX and have notified them via phone that I intend to fight this debt collection.
Product: Credit reporting

The XXXX showed an overpayment judgement against me on my credit report. The total overpayment amount was paid in full and XXXX confirmed that I my credit report would be updated as such and that I would receive a letter confirming my payment in case I had any issue removing this mark with the credit bureaus. It has been almost half a year since this time and my credit report has not been updated and I have not received a letter from the XXXX despite making several requests for it. Any help that your department is able to provide me to correct this situation would be greatly appreciated.
Product: Debt collection

I C Systems is attempting to collect a debt without providing adequate documentation to prove ownership, a bill of sale, purchase agreement, or validation of debt in response to your requests.
Product: Credit card

Applied for a credit card with AMERICAN EXPRESS on two separate occasions recently and was denied based on " previous cancelled account ''. I have sent a rebuttal via certified mail to AMERICAN EXPRESS ' legal department along with the XXXX of Investor Relations, XXXX XXXX XXXX based on their decision. 

Credit card applications ( promissory note ) are traded, transferred and sold to third parties based on AMEXICAN EXPRESS ' prospectus. The application I submitted was for my benefit and is not a privilege that should be used unlawfully. SECURITIES FRAUD has been conducted and this is not acceptable nor will I be satisfied with any other resolution other than my request from the credit application being fully granted! 

I have attached the letter to this formal complaint to be expedited to the proper person and awaiting a response as soon as possible.
Product: Credit card or prepaid card

Barclays with XXXX  rewards was not willing to work with me for missed payments for XXXX, XXXX, and XXXX of 2020. In mid XXXX I had contracted XXXX and had symptoms for a little over 3weeks into XXXX. I was cleared my the doctors mid XXXX and went back to work part time in a XXXX  XXXX  and odd jobs to make my monthly living payments. The operator was unable to assist me with coming up with a plan for payment do to the pandemic and financial hardship.
Product: Debt collection

The company did not have permission to contact me.

The company did not satisfy my request to validate the date as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Commission for debt collector if collection efforts are successful.

I did not receive response to my request within 30 days. ( Validation letter was not provided until XX/XX/21, electronically and only in response to my CFPB complaint. )
Product: Mortgage

The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies? 


Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them. 
Best of luck, XXXX XXXX
Product: Credit reporting or other personal consumer reports

request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXACCOUNT # XXXXXX/XX/XXXXACCOUNT # XXXX DELETE THESE ACCOUNTS IMMEDIATELY UNLESS YOU WANT TO BE HELD {$1000.00} per violation
Product: Mortgage

Select portfolios serving wa sa quick to contact me but wanted me to pay XXXX a month for 6 months I might as will quit my job worry about my family getting something small and me living under a bridge so much for them needing to help a XXXX veteran way to go with covid relief
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard inquiry on my credit report on XX/XX/. It appears someone used my information to attempt to open some sort of account. I do not have an account with XXXX and i would like evidence from this company to prove that my information was used. Proof of photo id, and I would also like to know how XXXX got my social security number. This is frightening as I also have a consumer fraud alert on my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : 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. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file listed on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an Experian alert stating that I opened two student loan accounts in the amounts of {$750.00} and {$430.00} via XXXX XXXX on XX/XX/XXXX. However, I am not in school, nor would I ever voluntarily put myself in student loan debt. 

That same morning ( XX/XX/XXXX ), I called the company twice and was able to speak with a representative on the second attempt. I explained the situation and the representative stated that someone in Indiana had filed in my name using my information. She collected my information and stated that she would send me documents via email and carrier mail to correct the issue. 
However, this has not occurred. 

I've called back several times ( since there is no customer service email ), but was unable to successfully reach another representative. I then filed a dispute via Experian twice, but both times they claimed that the original lender has " verified '' that the information they received in correct and the loan is valid -- - which, of course, it would be, seeing how the person who secured the loan was succesful in doing so by using my information. I have since had my credit line frozen. 

I have also filed an Identity Theft Report via Identity theft.gov, the XXXX, and an online Police Report but as of XX/XX/XXXX, XXXX XXXX have yet to correct their illegal mishap. 

I'm a resident of North Dakota, but I have been working at XXXX in XXXX as a XXXX XXXXXXXX since XX/XX/XXXX. I have never lived in Indiana, nor would I ever. I have also never traveled there, nor have I ever passed through it. I would never put myself in student loan debt, but it seems that someone has, and because they have my information, I'm afraid that they will be able to do so again.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing battle to recover my identity and the credit bureaus refusal to remove inaccurate information from my credit report. Despite providing you with an identity theft report, and informing you about the Data breach with Equifax the incorrect items remain, severely impacting my ability to secure housing and obtain financing. 
I have made numerous attempts to address this issue through various channels, including filing a complaint with you the Consumer Financial Protection Bureau ( CFPB ), in the hopes of finding a resolution. However, the lack of action and assistance from the CFPB has led me to take the necessary steps towards pursuing help outside of the CFPB I have provided you with the appropriate documentation to support my claims. I expect that as a Protection Bureau, you adhere to the highest standards of accuracy and fair reporting from these credit bureaus. 
Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I look forward to a swift and satisfactory resolution to this situation and expect your prompt response.
Product: Student loan

I first contacted Aidvantage on XX/XX/XXXX about a refund on the student loan payments I have made over the course of the pandemic. I am requesting a refund of {$6100.00}, for which the amount has been confirmed via Aidvantage emails and calling again in early XXXX, but there have been no balance updates on my student loans online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to make my final payment to ALLY Financial in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to ALLY and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.