23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his XXXX XXXX, The Mortgage Connection and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX on a temporary visa and so I was afraid to challenge or report my husband for fear of XXXX. He continued to purchase and sell Real Estate and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately XXXX XXXX dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. XXXX XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company, SBCS, is repeatedly calling, and they finally said it was for a credit card debt from 2011. I told them it was past the statute of limitations, but they insisted they still had the right to call. The amount is {$570.00}. Their # 's are XXXX and XXXX. I have blocked both numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.
Product: Student loan

I was told by several officers at fed loan servicing that when I began paying my student loans on XX/XX/XXXX ( under the graduated repayment plan ), that my payments would could towards public service loan forgiveness because my payments were higher than they would be under an income-drive repayment plan, which was the requirement for PSLF. In addition, loan officered ENCOURAGED me to stay on the graduated repayment plan for 5 years, stating that I would qualify for the teacher loan forgiveness program first, and that those 5 years would ALSO count towards public service loan forgiveness. I spoke to several officers and they assured me of these facts. I made payments from XXXX XX/XX/XXXX ( 34 payments ) before someone then told me that I do not qualify for public service loan forgiveness because I was not on the qualifying repayment plan. In addition, they told me that I can not double dip years between the teacher forgiveness program and the public service loan forgiveness. Therefore, I changed my repayment plan to an income based repayment plan and began payments under this qualifying repayment plan on XX/XX/XXXX. 
They are not counting my previous 34 payments towards forgiveness, despite the fact that they provided me this wrong information, and actually encouraged me to remain on this repayment plan saying that I could double dip years for teacher forgiveness and public. I am completely devastated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Capitol Accounts LLC repeatedly calls about a disputed debt even after I asked them to stop calling. They have called 4 times in the past 2 days, each time I have told them the account is in dispute, please stop calling. The representative states they will not stop calling until I submit a Cease and Desist letter but refuses to give me an address to send it to. They call multiple times in a day from multiple different numbers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 or other personal consumer reports

On XX/XX/year> I sent a letter to Equifax requesting the method of verification that they used to determine that the negative information on my report should remain. I requested specific details on how they were able to verify the information. The company failed to respond or acknowledge the letter.
Product: Debt collection

Someone got a hold of my Victoria Secret Credit card credentials around XX/XX/XXXX. I have not used this credit card in a very long time. They maxed it out at {$1700.00}, opened a po box under my name and sent all the purchases and statements there. I didn't find out under the account was overdue and sold off to collections in XX/XX/XXXX. I've tried to dispute the amount with the collection agency but no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX  in XX/XX/XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX  in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXXand i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Payday loan, title loan, personal loan, or advance loan

I was in need of funds to replace the engine in my vehicle. I reached out to Always Money XXXX XXXX Alabama for help. Since I had done business with them for several years coupled XXXX having poor credit, I was totally comfortable XXXX this decision Especially given the history with Always money. They were fair and great work XXXX for payday loans. I was in good standing having Always paid on time every time XXXX was until XX/XX/XXXX. When I realized I would be paying back well over XXXX  the amount I borrowed. XXXX  months at XXXX month for XXXX  months XXXX I borrowed XXXX dollars. I've made XXXX payments of XXXX to date or XXXX I feel I've paid my debt in fairness up to this point. 
I'm wanting to contact my bank and close the acct associated with the monthly ach draft payment with Always money Note. I had done business with them since XXXX. Having over XXXX payday loans XXXX  day transactions that were paid on time every time. This is what I got in return.. Unbelievable to me As far as I'm concerned I've met my obligations in repaying Always money XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit.

I feel I like was negatively impacted by the lawsuit, feeling I have no chances with my credit. I normally, check my credit report and out of nowhere in my credit score dropped tremendously. The opened dates aren't accurate nor does the duration of the negative ideas on my report, and personal information doesn't match. Verify proof or delete from my credit report.
Product: Debt collection

Hired XXXX XXXX Law Firm a XXXX with XXXX in advance she announced ready XX/XX/2019 in front of Judge XXXX cause number XXXX XXXX - XXXX - XXXX - XXXX 
The docket was thrown out because she did not serve the opposing Party On that XXXX XX/XX/2019 she was fired in the district court docket inadequate assistance of counsel and malpractice.. 
In the court record of the XXXX XXXX XXXX XXXX documents of her termination as my representation ... 
She then married an attorney that owns Fidelity collection agency since then they have been sending me a bill of {$2100.00} for work that I did I pinned with my own hand ... 
XXXX XXXX is a fraud and should not have a license as a lawyer and has taking it to the point of destroying my credit since XX/XX/2019 she will never be paid by me another penny ... 
Because the charges are fraudulent charges not approved by me XXXX XXXX XXXX. 
I believe XXXX XXXX should be made to stop destroying my credit and that she should be made to give me back my {$4500.00} for her malpractice.
Product: Student loan

Since student loan repayments resumed in XXXX, I have had countless issues with MOHELA. So far, they have taken months to process my XXXX have not emailed out billing statements to me, have put me on XXXX without notifying me, and they have removed my XXXX choice and moved me to the XXXX plan. Currently, I am not listed as being on the XXXX and my account on their website has no information about the status of my account. The XXXX XXXX XXXX XXXX shows my account is in XXXX, but the MOHELA website does not state that, and I never received an email that my account would be on XXXX. My MOHELA account also tells me I have no bills due, but no other information. The XXXX website tells me my next bill isn't due until XX/XX/XXXX, but MOHELA has not given me any information about a pause on my account. I tried calling their phone number, and their directory does not work. It just repeats the message without allowing me to dial the corresponding number to be directed to the department I need to speak to. I also never received notification from MOHELA that they will not longer be handling the counting of XXXX payments.
Product: Mortgage

XX/XX/2018 - Reached out to Wells Fargo regarding a HARP refinance and talked into the Loan Modification process since the HARP refinance had ended already. 

XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 - Payment 's made on time and in the amount of {$550.00} XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 - Payments made on time and in the amount of {$800.00}. 

XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 


Each time I asked about the No Payment due for the month, it was explained to me by Mr. XXXX that this was worked into the Loan modification process and is designed to help the consumer. 

What was not explained was that this would be reported as 90-day late payments to our credit. 

I had most if not all payments Auto-Drafted and I never once received notice about us being behind in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.
Product: Checking or savings account

On XX/XX/23, I contacted Bank of America to dispute a transaction in my business checking account. The bank sent me an Unauthorized Return Form to complete and send by email or fax. I asked for a more secure method to transmit this data as the form requires financial and personally identifiable information. The bank does not have an exception policy and will not process my request unless I transmit my data in the clear via email or fax. I am uncomfortable with using an unsecured means to transfer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.
Product: Student loan

Navient is not communicating fully about the loan amount they're not reviewing documents or responding back after review documents over the phone and emails I've provided also ones that were carbon copy to them as well as myself the original subsidized and unsubsidized copies from data base online showing over payment. I've asked for copies of returned checks which the XXXX XXXX 's XXXX XXXX nor Navient could provide but state that the amount disbursement was one amount one document were documents provided earlier by NSLDS with different amount. So I'm contacting your company to help me address these issues. That they are ignoring. I've been told I would be contacted I have copies of emails where appointments were set and not held. With XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to Experian and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my experian account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.