23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Below I briefly recount the events that are occurring with the private student loan that was given to me by STRATUS FINANCE LLC, attaching evidence of each of the events I mention. 

1. Stratus made a deposit to the XXXX XXXX XXXX for the amount of {$9000.00} on XX/XX/2024. 
XXXX. Of the {$9000.00}, I only used {$790.00} dollars. 
XXXX. On XX/XX/XXXX ( which gives a total of 24 days between the day of the first disbursement and the day I requested in writing the termination of the loan ) I requested that Stratus send me the total amount of the settlement in a DETAILED manner ( the math of the accounts, Stratus has refused to give me this information ) so that I could settle it. 
XXXX. TXXXX XXXX XXXX XXXX  has already returned to Stratus the funds that were not used for a total of {$8200.00}. XXXX. Instead of seeing that I owe {$790.00} plus interest, Stratus sent me an email informing me that I owe the completely unreasonable amount of {$11000.00} dollars. 
XXXX. After negotiating with them, they added a discount to offer me a second proposal with a total of {$9200.00} dollars. 
XXXX. I make it clear that I am in the best disposition to pay a reasonable amount, but never the predatory amounts that the company intends to charge me, as evidence of the above is the fact that I have not stopped paying my corresponding monthly payments. 
XXXX. I also want to point out that the Contract that I signed with Stratus, under strong sales pressure from the company, has strong contradictions making it obscure, causing the error in my person and denoting bad faith on the part of Stratus.

I attach the following documents in the order that they have been delivered to me during my relationship with Stratus.

A. Contract that governs the loan between Stratus and myself.

B. Letter with the first settlement proposal.

C. Second letter with the second settlement proposal with discount.

D. Final letter about how they say the amount they are unilaterally charging me is made up, without the detailed mathematical accounts about how they are calculating it, which is what I have been requesting from them and they have refused to give it to me.
Product: Mortgage

I have a mortgage for a property in Florida with Lakeview Loan Servicing. When I first acquired the mortgage I was forced to take private mortgage insurance ( PMI ), but the property has appreciated in value exponentially and it now meets well in excess the 75 % property-to-loan value. This company is sending me letters asking me to refinance with them stating the property value has gone through the roof. Meanwhile, when I call them to remove the PMI from my payment, they refuse telling me the property is valued at a much lesser amount than what they state in the letters they send me. Their premise is that, basically, the house has not increased in value since I purchased it 5 years ago, as if they did not know what currently is going on with the Real Estate market throughout the nation.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  and XX/XX/year>, I submitted a formal dispute to Experian regarding an incorrect items on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXXXXXX XXXX  XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX  account on XX/XX/XXXX under account number XXXX, an XXXX XXXX account on XX/XX/XXXX under account number XXXX, and XXXX XXXX  XXXX account on XX/XX/XXXX under account number 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 XXXX  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 # XXXX as proof from the US 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

On the evening of XX/XX/29 I picked up some individuals because i sometimes use my car as a car service to make extra money. there were 4 passengers. I went into the store to buy a pack of cigarettes left them in the car for i did not lock eveything up and some of my id and card were in the glove compartment of the car one of them i dont know which one, shuffled through my glove compartment and removed my wallet and later commited indentity theft my other driver lic and address where in the wallet. several days later i relized that the wallet had been taken out of the glove compartment. later on good samaritian mailed the wallet back to me that he found. on the street. when i checked my statement I had XXXX unauthorized transaction on my card, filed a dispute with american express phone number XXXX XXXX XXXX XXXX and phone number. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX GA XXXX they denied my dispute stated I gave the passengers permission to steal my id and was negelent. please help. sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors. 

Four days has passed in regards to this matter the following accounts have not been removed from my credit report. This is my third attempt regarding this matter. 

Accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) It takes 30 days for incorrect reporting information for a dispute process. It takes 4 days total for identity theft victims no investigation is required for this matter with proper documentation this is defamation of my character and I will presume legal action if necessary to the highest extent of the law.
Product: Mortgage

XXXX XXXX XXXX Good Day To You All. 
I have a Mortgage Loan with JP Morgan Chase Bank. I have been a very regular customer over the years, sometimes even paying my instalments, a month before. 
But due to COVID 19, my business, like millions of other businesses got severely affected. 

My location is awfully close to the infamous " XXXX XXXX '' in XXXX, which used to appear on XXXX and other channels daily, where 100 + people were dying every day. In fact, we had to close down our Business due to Lock Down Orders from the Governor and there was XXXX income for a few months. 

I therefore called up Chase Bank and requested their help with Forbearance in terms of the CARES Act., for the first time ever. I do not recollect the exact date. But I think, it might have been towards the end of XXXX or XXXX week of XXXX. I was assured that it will be taken care of. 

Resting assured that there wont be any late payment placed on my blemish less payment/credit history, I missed one Mortgage Payment. However, I saw that a Late Payment was placed on my Credit Report, to my surprise. And my Score went down drastically. 

Many of my friends are still on Forbearance for more than 6 months. But I have already caught up with the missed payment and am fully current on my Mortgage, paying right on time or even before, despite the very slow Business conditions. 

From XXXX XXXX I have been requesting Chase, sending a lot of messages through Chase.com ( message history attached ) requesting them to delete the Mortgage Late from my Credit History and also delete the Late Charges. 

They confirmed that the Late Charges have been removed but they do not seem to have removed the Mortgage Late on my Credit History, so far. 

.
Product: Money transfer, virtual currency, or money service

I bought an item through PayPal and the transaction looked shady. I notified PayPal and they said they could do nothing about it and closed the dispute leaving with out my {$99.00} and item that was never delivered but sent to an unknown address in XXXX, NY. I reached out again to tell them the item was never received but sent to an unknown address and still received no help. I just want my money back. 

You'll see " PAYPAL *XXXX  '' on your card statement. 
{$99.00} Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Have you received this order? 
XXXX XX/XX/2022, Sent by XXXX Status : Shipped Transaction ID XXXX Contact info Note Thank you for completing your Order # XXXX on our Online service store! Please check and complete the payment. We will confirm your payment and shall notify your soon If you have any questions, please contact us. We are looking forward to your feedback Details Sent to {$99.00} Total {$99.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date : XX/XX/XXXX Dear Agency : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX questioning the accuracy of this item on my report. Please verify this information or remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

Back in  XXXX     2017 I requ ested " VALIDATION '' of this debt that  Portfolio Recovery Associates  says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the  Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in   XXXX   for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact  on    XXXX   XXXX  2017     Portfolio Recovery Associates  was removed from  XXXX . I checked my report on   XXXX   XXXX    2017 and it w as added back onto my credit report. I never received  a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered.  Portfolio Recovery Associates and the creditor I would like   ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
Product: Credit reporting 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: Credit reporting or other personal consumer reports

I am making this report because I have tried multiple times to get in contact with Trans Union to get hard inquiries that are not mine off of my credit from XX/XX/XXXX to XX/XX/XXXX I have made a police report. I am a victim of identity theft I have called Trans Union multiple times asking them to assist with me and they have not done anything about it. I have been trying because I am a victim of identity theft and I have a lot of collections on my account. I need to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX > I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX service company (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX company do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), the

verification provided lacked the necessary documentation to confirm this account belongs to me. Since I am a XXXX, I demand physical evidence linking me to this account to prevent potential errors. Below are the details of the account in question : Account Information : XXXX Account Number : XXXX ( TransUnion, XXXX ) Credit Bureaus : TransUnion, XXXX XXXX XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$240.00} Credit Limit : {$1100.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor Requested Validation : A copy of the original agreement or contract bearing my signature.

Documentation verifying my involvement with this account beyond the basic details listed in the report.

If the creditor can not provide these documents, I request that this account be removed from my credit report immediately.

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Please provide a prompt response with the requested information or confirm that this account will be removed from my report. Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " FRANKLIN COLLECTION SERVICE, INC. among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX  '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
Product: Debt collection

Recently, I discovered the debt which was placed on my credit report of a XXXX debt that it was my understanding was paid by the XXXX insurance. I never received any correspondence to this debt prior to it being placed on my credit report. On Thursday, XX/XX/XXXX, I contacted the office of M. Leonard ad Associates regarding this matter. The XXXX XXXX, XXXX claimed that documentation was sent out of which I never received and that they provide 30 days for a response before adding to credit report. When I asked if there was a supervisor, I could speak with she stated her only supervisor would be the owner, XXXX XXXX, of which would not speak with me in regard to this matter. However, I believe to deny my right to respond by not providing validation of the medical bill  or that t was even in default due to the insurance not covering the cost is an unfair process. More specifically when no notification was received, and no record of documentation being sent has been provided or proven. Due to this current state of our economic system, unfortunately I am unable to pay on a medical bill of which M Leonard and Associates have attached on fees and interest which may be a direct violation of the consumer fair credit act. In order to recover payment that was covered by my insurance at the time of the accident in XXXX.
Product: Credit card or prepaid card

To Whom It May Concern : Good afternoon. There are 2 accounts, Bank of America and XXXX, that are listed on my credit report that I have never done business with and are fraud. Furthermore, when XXXX XXXX lowered my limits it made me look into my credit report to find these 2 accounts and other inaccuracies within my report. My company, XXXX, alerted me my personal info was compromised which included my SSN, DOB, ADDRESS, W2/TAX INFO, RELATIVES, etc. This is extremely concerning as my payment history and credit score is very important to me.
Product: Credit reporting or other personal consumer reports

I just now look at my report because I need to get a place for me and my family and I notice there is two collections on my file I don't know anything about them because I never used credit and from XXXX to XXXX I was incarcerated please remove these items from my file : Account name THE XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXXXXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.