23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 reports are false.
Product: Money transfer, virtual currency, or money service

I was misled by the sales agent during our initial phone call and have now paid {$4400.00} into my dedicated account and only one settlement has been reached in the amount of {$1600.00}. I was only able to find this out by requesting a transaction statement, otherwise, I can't see what fees or anything are being charged. I specifically asked the agent about owing taxes on any amount negotiated and he told me that I would not owe taxes due to the creditors having some agreement with them under COVID relief. He added, if I do get a 1099-C, to send to Beyond Finance for them to take care of. This year, I received one in the amount of {$600.00} causing me to owe more on our taxes. I have called and attempted to speak to the agent and keep being told they would email him and he would call me back. He has never returned my call. I have complained about the misrepresentation to other representatives and was told they have never had any COVID program and they referred me to the fine print in the agreement. I unenrolled all of the credit accounts I could but still have one pending. The agreement says if I unenroll during the settlement phase they will get to keep all of their fees as if they actually finished the settlement despite not performing the agreed service fully. I'm not sure how they can legally collect their FULL fees vs just the ones they've already charged. 

I'm not sure what to do as it's been a year, my credit is worse than before, I'm owing more now than when I enrolled and I'm stuck. I'm set to complete their program by XX/XX/23, at which point, I will have paid this company a total of XXXX for them to only have " resolved '' my debt for less than XXXX XXXX and then owe even more to the IRS next year when I receive another 1099-C. Their fees are predatory and at least one agent materially misrepresented the agreement.
Product: Mortgage

On XXXX/XXXX/17 we submitted a loan modification package to the lender for review - we were advised on XXXX/XXXX/17 that the file was denied review or approval due to the loan being 38 months passed due - was advised by the lender that due to FHA guidelines they were unable to review the file because of the delinquency and being 3 years passed due. I was transferred to the re-entry team, manager - XXXX, he advised that they are going off of the re-entry teams decision on the loan not being eligible for a review due to being more than 3 years passed due. Advised mgr no where in the FHA guidelines does it state that a loan would not be eligible for a loan mod if passed due for more than 3 years.
Product: Credit card or prepaid card

I bought a Vanilla prepaid visa card on XX/XX/2022 at XXXXXXXX XXXX and I put {$350.00} on it and on XX/XX/2022 I wasted {$1.00} at XXXX to make sure it works. On XX/XX/2022 at XXXXXXXX XXXX I wasted {$42.00} at XXXXXXXX XXXX. The same day at XXXXXXXX XXXX I wasted {$44.00} at XXXX. I wasted the same day at XXXX XXXX at XXXX XXXX {$25.00}. Then later that day I made a purchase of {$63.00} on XXXX at XXXXXXXX XXXX but was only charged {$45.00} on the transaction. I then checked how much I had on the card and it said {$190.00} and later that night at XXXX XXXX I was told the card only had XXXX cents. How is that possible? I called and they said that XXXX had charged me XXXX dollars but I checked my XXXX account and that was not true so I called again and now they said it was XXXX XXXX that was charging me 9 times for {$10.00} in XXXX XXXX and 2 times with {$50.00} with XXXX XXXX. I don't even use XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah , XXXX, United States XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you XXXX XXXX XXXX that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with XXXX XXXX XXXX and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). 

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to E-Oscar or any other means of automated verification.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 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. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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: Credit card or prepaid card

I applied for and received a XXXX card through XXXX/Chase. I applied for the card on XX/XX/XXXXunder the marketing advertisement of receiving XXXX bonus miles if I spent {$2000.00} within the first 3 months of opening my account. I had fulfilled the obligation according to my XX/XX/XXXX statement and I called several times inquiring when will the bonus miles be applied to my account. I was graciously told by XXXX that the miles will be applied by Chase withing six to eight weeks. When I called Chase in XX/XX/XXXX, they stated I did not fulfill my financial obligation of spending {$3000.00} in order to receive XXXX bonus miles. I explained to them the advertisement stated {$2000.00} for XXXX XXXX. I applied for the credit card on XX/XX/XXXX from XXXX and the page stated {$2000.00} for XXXX bonus miles. Apparently Chase and XXXX were running two different promotions but I the customer should not be held responsible
Product: Credit reporting or other personal consumer reports

I called in to place a dispute regarding a hard inquiry that is not mine. They sent me an email stating that it was verified. My problem is how can it be verified if it is not mine? Please have them remove it. Thank you.
Product: Credit reporting

There are XXXX items on my equifax credit report for XXXX that donot belong tome. XXXX of them appear to be for the same thing at {$72.00} and the other is {$210.00}. XXXX has already removed all XXXX items because they were not mine and would like equifax to do the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- I was informed there was some kind of Fraud Alert on my account. I called XXXX - no Fraud Alert. I called XXXX - no Fraud Alert. I called Experian -- they had a Fraud Alert that was  several years old. Why only them? I have no idea. I never requested a freeze or anything on my account ever!!! I asked them to remove it. They sent me a letter saying they removed it. And then in the next paragraph said, they put another one on ... in the same letter!!! And they informed both XXXX XXXX and XXXX. 

A week later, I get a letter from XXXX and XXXX telling me that they put a 7 year Fraud Alert on my account b/c of Experian. XXXX?!!!! 

Then I called Experian and complained. I insisted on speaking to a supervisor to clear up this mess. They said, they wouldn't help me with the other 2 companies ... but it was their mistake!!! 

I called them both XXXX  and XXXX, and told them it was a mistake by Experian, so they both lifted it ... no problem. Then I called Experian again ... spoke to a supervisor to clear up this issue. They said, they cleared it up. Then I get another letter from Experian telling me that they put another Fraud Alert on my account ... again saying that I requested it. In fact, I requested the exact opposite. 

This happened twice already and now, it's happening a 3rd time.

Their phone customer service system is so ridiculous!!! It won't let you get to a live human being. It takes you in circles over and over and over and over and over and over and over again. And it won't let you lift a fraud alert. It ONLY allows you to put one on. 

I can not fix this cycle of abuse on my credit. And no one there cares or gives a XXXX. I've been hung up on several times while trying to clear this up in the last month. 

I am ready to XXXX someone ... maybe myself. I do not have a XXXX, but if I was XXXX  or XXXX or XXXX  then somebody would get XXXX b/c of Experian. 

I am so extremely frustrated. Three weeks of this XXXX. There is no help in this cycle of abuse. Why can not the government tell them to fix their issues???!!!! 

This ain't no April Fools joke. I'm ready to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a studio apartment and the property manager ran a background/credit check that I paid {$45.00} for. The results came back that my risk credit score is XXXX which is surprising since I have a credit score of XXXX with Experian. This company called XXXX let me know that there is a difference between risk credit score and a regular credit score. They also told me that they do not calculate it but that Experian does. 
I tried calling Experian but I can not get through to a live person. 
I need to know why my risk credit score is XXXX which is XXXX points below my credit score. Is this risk credit score even correct?
Product: Mortgage

This is in regards to a mortgage for the XXXX of XXXX XXXX ( my XXXX  mother and I am a certified successor ), loan # XXXX. I paid a private insurance company in full for the year on XX/XX/XXXX. Even after I sent proof of insurance and payment, Shellpoint Mortgage Servicing also paid my private insurance company in full. My insurance company quickly sent me a refund, but Shellpoint has refused to return the {$3800.00} currently held in escow ( escrow is for lender placed insurance only which I didn't need ) AND continues to take {$760.00} each month in escrow despite the fact insurance has been paid by them and me. On XX/XX/XXXX I requested an escrow cancellation. I called back on XX/XX/XXXX and was told the last agent didn't submit the request properly and that agent resubmitted it ( task # XXXX ). I called back on XX/XX/XXXX and was told the prior agent hadn't submitted the request correctly and they had to resubmit it for the XXXX time. On XX/XX/XXXX I also sent an email requesting escrow removal. On XX/XX/XXXX I called and was told they used a different case number so the request didn't go through for a XXXX time. On XX/XX/XXXX I was told by " XXXX '' escrow was cancelled and she said my new payment was {$2300.00}. She also said I would have a refund sent directly to my checking account within XXXX  days. This wasn't reflected online so I called back on XX/XX/XXXX and was told my escrow request was denied due to a missed payment during the last XXXX  months. There were late payments due to a pending lawsuit to have my mother 's trustee removed as he developed XXXX. He was not making payments for the trust. Once the lawsuit was settled I paid all missing payments immediately and the mortgage is completely caught up. In addition, since Shellpoint bought the mortgage from XXXX XXXX in XXXX, all payments have been paid on time. XXXX XXXX didn't consider the payments late because it was in their " estate care division '' and we were in constant contact with them explaining the situation.
Product: Mortgage

I applied HELOC application on XX/XX/22. First decision made on XX/XX/22 was not capturing all my incomes so I requested 2nd review with additional documents they requested to included all income source I was claiming. Since then, they are delaying 2nd review even after multiple contact I made to their officer. Now they are not responding.
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 {$1000.00}.

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 ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan that was XXXX in a XXXX  XXXX bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX XXXX was the creditor of said loan and continuously submits the settled account to my credit report as a derogatory remark. I have contacted them and they have confirmed that the account is settled, but claim that they are unable to correct it with the credit reporting agencies. I have disputed the error with transunion and they confirmed that it is settled, but did not remove it from my credit report. On XX/XX/XXXX I was notified by XXXX that XXXX XXXX XXXX XXXX has submitted the settled account as a derogatory remark to my XXXX credit report. I disputed it and am awaiting the results. If I can not get this resolved by going through the proper channels, my next course of action will be to file suit against all parties that fail to correct these fraudulent reports and seek extra compensation for the stress and hardships this has caused me.
Product: Debt collection

PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Student loan

I attended the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ) from XX/XX/XXXX - XX/XX/XXXX. 

Due to proven misconduct and litigation involving the XXXX XXXX, my federal loans were XXXX by XXXX XXXX to Repayment on XX/XX/XXXX. 

In XXXXXXXX XXXX began offering a XXXX XXXX XXXX XXXX for borrowers qualified by Navient and previously had their federal loans forgiven. I was qualified and received the application on XX/XX/XXXX. 

On XX/XX/XXXX, I submitted my XXXX page application, with loads of evidence and a detailed letter of harm due to predatory lending and attending a for profit school, ( that has since closed ). XXXX then notified me they received my application, put my loans into forbearance, and said it would take XXXX to reach a decision. 

On XX/XX/XXXX my application was denied with the generic reasoning of " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I do not agree with this decision, or Navient 's vague and generic description as to why I was denied, even though I met qualifications for the application. Navient has not been transparent on why some applications are approved for XXXX and some aren't. I firmly believe there is really no approval process in place, and that loans are being forgiven randomly, and at an extremely low percentage. This does not reflect the rate of loans forgiven through XXXX, which have the SAME qualifications. 

On XX/XX/XXXX Mohela began servicing my private loans ( via Navient ). 

My loans come out of forbearance and into repayment on XXXX. 

I had to delete a lot of pages from my original application to meet the XXXX requirement. Password for the uploaded document is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in a several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report within 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent and further harm to my financial well-being.