23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am again submitting another formal complaint against ECSI in regards to my Perkins Loan account, XXXX, currently managed by ECSI. ECSI dare claimed they check with XXXX XXXX ( aka ) XXXX XXXX XXXX , who owned the Perkins Loan on whether this loan was paid in full, but they did not! After extensive emailing with Student Loan Office and their XXXX XXXX for XXXX XXXX University, the loan office agreed with me that this loan was paid in full on XX/XX/year> to them via their lawyer XXXX XXXX XXXX XXXX XXXX on XX/XX/year> in the amount of {$1300.00}, covering all principal, interest, and fees. I received a pdf letter via email from the Student Loan Office stating this loan is now {$0.00}, as well as, their emails agreeing to the dismissal of the loan as payment in full at that time. 

To clarify : I now have proof of payment of loan in full via credit card statement showing payment to the lawyer XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/year> in the amount of {$1300.00} and a letter from XXXX XXXX XXXX  Student Loan Office stating Paid in Full for that payment. 

Therefore ECSI 's claims on my fully paid Perkins loan debt including their predatory actions of adding nonsensical fees to line their greedy pockets is no longer valid. My letter can be verify with XXXX XXXX XXXX  via my contact persons XXXX XXXX and XXXX XXXX at XXXX. ( who kindly provided me the letter stating payment in full for the loan mentioned ). This letter has been upload with my private information blocked out as per CFPB 's suggestions.
Product: Debt collection

This collection company keeps calling several times a day looking for an XXXX or XXXX XXXX. I don't know who thos person is. I have told them this yet they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on XXXX is : XXXX XXXX XXXX XXXX and XXXX  the inquiries I noticed on EQUIFAX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??
Product: Vehicle loan or lease

XXXX XXXX XXXX 1st Notice U.S Postal Service Certified Mail # XXXX 2nd Notice U.S Postal Service Certified Mail # XXXX CAPITAL ONE AUTO 1st Notice U.S Postal Service Certified Mail # XXXX 15 U.S. Code 1635 - Right of rescission ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 

( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my XXXX affidavit to the XXXX credit bureaus XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows UPGRADE INC XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Product: Student loan

Went to NelNet website.
Logged in.
Made specific payment to   XXXX   XXXX  .
Put {$1000.00} on   XXXX   XXXX   My {$1000.00} went to ALL   XXXX   loans   XXXX   XXXX  .
Called, dialed 0 to bypass robot answering, got   XXXX    woman.
 XXXX  woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
<P/>
Why ca n't I pay on specific groups as I have selected?!
I want this issue fixed now.
Product: Credit reporting or other personal consumer reports

Experian have an inquire on my credit report that dont belong to me..
Product: Credit card or prepaid card

I set up a debt payment agreement with my Chase XXXX XXXX credit card ending in XXXX and my agreement was to close this card ONLY. Chase closed ALL my other credit cards and this has damaging effects to my personal credit profile. Please resolve and fix this as soon as possible.
Product: Credit card or prepaid card

On XX/XX/22 I recieved a text/email from Chase regarding a potential fraud charge to my card. This charge was a XXXX XXXX XXXX XXXX for {$340.00}. I told them that day it was NOT me and they " closed my card and sent me a new one. '' Later on I kept checking my card in the app, making sure transactions are all mine. A charge on XX/XX/22 appeared titled XXXX XXXX XXXX XXXX XXXX FL for {$140.00}. I am located in Wisconsin, I have not been to Florida any time in the past XXXX plus years, nor have I had any charges form XXXX, I've never even given them my card. I called multiple times to Chase telling them about this fraud charge, both times because I didn't see it off my app feed or reimbursed. I was told " it's not on your statement, your fine. '' Today XX/XX/22 I check my statement and see the XXXX XXXX XXXXXXXX XXXX XXXX FL for {$140.00} charge on my statement. I contact Chase and am told this is a re-bill from the investigation and that I need to speak with them regarding it. Chase has not once through this process helped me recoup my stolen money. I have lost faith in them to safely guard my money.
Product: Credit reporting or other personal consumer reports

I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading negative entry. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores. 

The specific account in question is : XXXX XXXX XXXX XXXX
Product: Debt collection

The company did not respond with sufficient evidence of inaccurate reporting. Please be advised that this is my SECOND CFPB REQUEST asking EXPERIAN to remove the unverified accounts that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Please verify or remove from credit report.
Product: Credit reporting or other personal consumer reports

I've been reviewing my credit report since XXXX of XXXX  and have sent many disputes in regard to the closed child support account that is affecting my credit report. The Account is closed and the child resides with me. This is a violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i. They have continued to report this account as verified and correct. I have court documents that support that the account is closed and they still have ignored my request to remove the account. Under 15 U.S. Code 1681e and 15 U.S. Code 1681i this is account is in violation, it list Child support as a furnisher and this forgery and misleading and affecting my life. The courts do not report these kinds of accounts. They also report differently between XXXX and Equifax, one says closed the other states still in good standing and open when calling child support the speak rude over the phone and told me its automatic account that reports every 30 days they cant stop it. When i speak with XXXX they tell me to call child direct when i call support they tell to contact XXXX. There has been so solution between both sources. Even with supported documents which i will upload. DIVISION OF CHILD SUPPORT ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXXXXXX XXXX survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Experian has refused to comply with its clear legal obligation. As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of XXXX XXXX XXXX XXXX XXXXXXXX I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. Experian refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXXXXXX XXXX As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the XXXX I endured. I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Experian complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as XXXX ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Product: Mortgage

My mortgage company paid the wrong pin the first year of my mortgage. My taxes ended up being sold. They did an incorrect tax audit on my escrow lowering my monthly. Yet they applied my overage to principal and not the tax escrow. 
It took XXXX years for the taxes that were sold to get resolved by them. I have had multiple cases where no one is capable of fixing any issue that arises from their negligence. They then raise my monthly rate by {$850.00} a month since they did not have enough in the tax escrow to cover payment of the sold taxes. 
I sent them {$8000.00} this year to cover the shortage. But they have my escrow now estimated at over {$3000.00} a year more than my taxes ended bill is. 
I can never get my issues resolved in a timely manner and the representatives that I am able to speak with have no ability to fix any issues. 
This is all in reference to PHH mortgage company.
Product: Vehicle loan or lease

On XXXX, I spoke with a Toyota Financial Services representative who exclaimed that of the total loan amount due ( Final payment XX/XX/2022 ; {$4100.00} ) about {$2000.00} was due to interest charges beyond the original scope of the lease term. To wit, since the car was leased in California ( a consumer-friendly state ) the lease conforms to the said state 's legal system and is hence considered USURY ( Excessive ) ( XXXX XXXX XXXX XXXX XXXX XXXX ). As the included article contends, their are specific annual caps of 10 % on auto loans in The XXXX XXXX and TFS has exceeded them in this instance.In essence, the actions by TFS are illegal as defined by the California State Constitution.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts, please remove these fraudulent accounts of my report, they are hurting my ability to obtain credit. 
Thank you
Product: Checking or savings account

The number XXXX is Pretending to be Credit Karma and claiming somebody is trying to change my number. Credit Karma has frozen my account but it's not responding to fix things or get things back open. The number above is not Credit Karma.
Product: Debt collection

I CALLED SYNCB/CARECREDIT AND ASKED TO SPEAK TO SOMEONE IN CHARGE TO GET INACCURATE DISPUTED/ REMOVED FROM MY CREDIT REPORT AND THEY KEPT TRANSFERING ME FROM XXXX, XXXX, XXXX AND STILL GOT NO HELP WHAT SO EVER. I HAVE DISPUTED THIS 3 TIMES AND HAVE THEY DELETED THIS OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS : Transunion has violated federal laws, including the FCRA and GLBA, by unauthorized reporting, lack of verification, failure to comply with opt-out provisions and disregard for proper investigation procedures, infringing upon my rights and causing substantial harm.
Product: Student loan

I'm filing this complaint based off the disregard my lender ( XXXX and then Mohela ) has shown to my School Misconduct Discharge application. I was deceived by a for-profit school XXXX XXXX XXXX and I have submitted a school misconduct discharge application for my private loans. 
My 1st discharge application that I submitted was to XXXX ( my loan servicer at that movement ) and I received a denial letter with no real reason why I was being denied. Once my loans were moved over to Mohela, I requested another application, and I received a letter saying, " REQUEST PREVIOUSLY ADDRESSED ''. No detail in what it was referring to, but my guess is it was my XXXX XXXX XXXX application Below if the timeline of my applications. 
- On XX/XX/XXXX I requested a School Discharge application from XXXX. They said I was eligible for the application. 
- I submitted a School Discharge application to XXXX on XX/XX/XXXX, it was XXXX pages in length. 
- I received a vague denial letter from XXXX on XX/XX/XXXX, the reason they provided was " XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct - Then on XX/XX/XXXX my loan servicer moved to Mohela. 
- On XX/XX/XXXX I requested a School Discharge application from Mohela and it was sent to me. 
- On XX/XX/XXXX I sent the School Discharge application into Mohela with much more explanation and evidence, going from my original XXXX application to 46 pages to make my case stronger. 
- On XX/XX/XXXX I received a letter from Mohela titled " REQUEST PREVIOUSLY ADDRESSED '' and the letter stated " we've determined a recent inquiry regarding your student loans is a duplicate request. We've already responded to a request for the same or similar information. Therefore, we will not be researching this specific inquiry further. ''
Product: Credit reporting

I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. 

Thank you,
Product: Consumer Loan

XXXX XXXX, my legal husband, took out a loan with Prosper in my name and named my personal checking account for the payments without my permission. This was done in XXXX 2016. A police report was filed by me, XXXX ( XXXX ) XXXX, in addition to completing the fraud packet required by Prosper. A subpoena was issued by Detective XXXX XXXX, XXXX County Sheriffs Dept. for the loan documents and the investigation of XXXX XXXX is ongoing. Prosper continues to assess interest charges to this loan despite fraud being accused by myself AND the accusation an open investigation with the XXXX County Sheriffs Dept. in XXXX AZ. XXXX XXXX has advised Prosper that he has documentation and the entire case report and advised them how to get a copy of the report. Prosper has not responded to him. They recently notified me they have not found any evidence of fraud and are holding me responsible for the loan, despite this being an open investigation with my police department. XXXX XXXX in the Prosper fraud dept. refuses to contact me by phone despite the numerous phone messages I have left for her. I DESPERATELY need a third party to help me with this loan company. It is grossly unfair to continue to assess interest fees and late fees when an open fraud investigation is in process. I have asked in writing to Prosper to acknowledge my dispute of their determination that no fraud was committed. They have ignored this request of mine. Please let me know what agency can help me with this Loan Shark Loan company! 
**I HAVE SUBMITTED MY NAME AS THE BORROWER BECAUSE MY NAME IS ON THE LOAN. I AM NOT ADMITTING TO HAVING APPLIED FOR THIS LOAN. YOUR FORM DOES NOT ALLOW ME TO PUT XXXX XXXX NAME AS THE BORROWER AS I DO NOT HAVE HIS INFORMATION. 
XXXX XXXX, victim
Product: Student loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is 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

XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Trans Union Credit Reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXXXXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Transunion credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Transunion credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Transunion report 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 Case # XXXX as proof from the XXXX federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/2021 Chase called us about XXXX XXXX card being 30 days overdue. We were eventually transferred to XXXX XXXX in the credit Bureau escalation department. XXXX claims we went online XX/XX/2021 and requested paperless. We would have never done this. We feel maybe if true but we dont believe. I dont remember ever logging on at all. If we did then the complaint is we were tricked into going paperless. We now have a 30 day late reported on our credit. I would like this removed. XXXX would not let my husband talk to her even with my permission. XXXX XXXX would not give us her last name. Mature would not let us talk to anyone else. XXXX refused to give us an extension or anything else that identified her.