23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.
Product: Consumer Loan

Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.
Product: Checking or savings account

On XX/XX/XXXX and XXXXXXXX XXXX  capital charged me back twice for singular credits. They have a long history of such acts and I want the FDIC to force them to stop bullying me and threatening my good credit rating with fraudulent debits. I refuse to pay.
Product: Debt collection

LVNV Funding, LLC Subject : Request to Cease and Desist Reporting to Credit Bureaus Dear Sir/Madam , I am writing to formally request that LVNV Funding cease and desist from reporting any information regarding my account ( s ) to the credit bureaus.

I dispute the accuracy of the debt ( s ) reported under the account ( s ) listed below : Account Number : # XXXX Name of Creditor : web bank Date Reported : XX/XX/year> Please be advised that I have already disputed this account with the credit reporting agencies, and I believe the information is either inaccurate, outdated, or fraudulent. I request that you provide me with proof of the debt, including the original signed agreement or any documentation that substantiates your claim. If you can not validate the debt, I request that you immediately remove all references to it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Once again, my husband and I have applied for a personal loan and a refinance of a car loan. We have received the same message from XXXX XXXX that they are unable to pull our XXXX credit bureau. We have already contacted XXXX to clean up old trade lines on our bureau, but credit bureaus report XXXX XXXX for a certain number of years and its up to the creditor, not the credit bureau, to remove them. In fact, XXXX XXXX is XXXX of the largest reporting companies on our bureaus of old and closed accounts. This is not a consumer issue, this is a company issue. Other companies have successfully pulled our bureau with no problems. Please read their message attached. This is poorly worded and makes no sense. I have an opened complaint on this company. I have also complained previously, but obviously they are not willing to resolve their issue for a Veteran.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance Corporation regarding a fraudulent and unresolved issue with a vehicle purchase financed through them. Despite my repeated requests for the appropriate paperwork and resolution, the situation remains unresolved and has significantly impacted my life and credit history. 

On [ Purchase Date ], I purchased a vehicle through a dealership that was financed by Credit Acceptance Corporation. Unfortunately, the vehicle turned out to be a lemon, with numerous mechanical issues that rendered it unreliable and unsafe. I requested Credit Acceptance Corporation to repossess the vehicle due to its condition and the fact that it was sold to me under false pretenses. 

Despite my request, Credit Acceptance Corporation failed to repossess the vehicle and did not provide any assistance or resolution. As a result, I have been burdened with the financial responsibility for a non-functional vehicle for over XXXX years, adversely affecting my XXXX XXXX and overall financial well-being. 

I have attempted to resolve this matter directly with Credit Acceptance Corporation by requesting the removal of this debt from my credit report. Unfortunately, my requests have been ignored, and the incorrect information remains on my credit report. 

I believe the paperwork and terms provided by Credit Acceptance Corporation to be fraudulent and misleading. The documentation does not accurately reflect the condition of the vehicle or the terms initially agreed upon. 

I am seeking your assistance to investigate this matter thoroughly and facilitate the removal of this debt from my credit report. If this issue is not resolved promptly, I am prepared to take legal action against Credit Acceptance Corporation for their fraudulent practices and the financial harm they have caused me. 

I am providing all relevant documentation and correspondence related to this matter for your review. I kindly request that you investigate this situation and help ensure that Credit Acceptance Corporation addresses this issue fairly and legally. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of these account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes, but you guys refused to remove them I have submitted my police FTC report, with two form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 FicoScore reported to Experian my to be XXXX. As of XX/XX/XXXX my credit score report from FicoScore to Experian is XXXX. I called as spoke to an agent and he did not have any reason why the credit went down, or provide proof why FicoScore would drop the score XXXX points. Please help me research and provide justification for the misuse of my credit. I am trying to purchase a home and this action will affect my process of home ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these XXXX  bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT IDENTOTY THEFT IS XXXX, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the XXXX data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.
Product: Credit card

An XXXX  made a charge on my card without my permission and for something I had already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed certified letter to XXXX with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If XXXX can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )
Product: Student loan

I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.
Product: Student loan

I have been paying on a private parent plus loan since XXXX. The school that my daughter attended was caught making scam practices and was sued and has closed down. 
XXXX XXXX XXXX in Georgia. 
Due to this closure of the school I was denied any options to refinance by XXXX. 
I am XXXX XXXX XXXX and still having to work just to pay this loan. 
I was offered yesterday ( XX/XX/XXXX ) to do a hardship reduction of payments for 6 months and pay interest only. I chose not to as this will only prolong the loan. 
I need to know if my loan can be discharged as others have because of the school closure and the massive lawsuit that was settled against them.
Product: Student loan

In XXXX of XXXX I enrolled in classes at the XXXX XXXX XXXX XXXX XXXX Division. I took out student loans in order to get a XXXX. When discussing attending the school with the admissions advisor I was pressured to sign up as quickly as possible. I was offered a {$100.00} book voucher and waived application fee. I did not immediately cave in to the pressure, instead I took a couple of weeks to think things over and make sure I knew what I was getting into and making the right decision. 

Over those couple of weeks I was in contact with the admissions and financial aid advisors. I explained my financial situation ; married, XXXX XXXX XXXX, with a young child, a mortgage, lots of debt. I thought their job was to guide me through this process. I trusted them. I did n't know that I needed to mistrust everything they said as if they were a used car dealer. I told them I could only go back to school if I had no out of pocket expenses during the time I was attending school. Once I graduated and got a better job, then I could pay. But with my current bills and current low paying job there was no way I could afford anything out of pocket. 

I was assured I would pay nothing out of pocket. I enrolled. in late XXXX I began receiving bills for tuition. I sent the financial aid department many emails and placed many phone calls. All were ignored. It took months to get answers. Finally in XXXX XXXX I was told that I had hit the Federal Aggregate Loan Limit. That was my first time hearing that term. Apparently there was a limit to what could be borrowed, meaning that the initial advisors in XXXX were not truthful with me. I was told at this point that I would need to pay out of pocket or get personal loans. I attempted to get personal loans to finish the degree that I was about XXXX of the way through. I was denied by every bank I tried because I had too much student loan debt. I was forced to withdraw. 

I would 've never enrolled in the school had I known this information up front. Now I owe {$70000.00} for a degree I could n't even finish and I will never be able to pay that back. Due to this situation, I ended up with XXXX and was hospitalized twice, once for 1 day and another time for 3 days, due to severe anxiety attacks. I had to go on anti-depressants so I could function on a day to day basis. All because the XXXX XXXX lied to me to get me to enroll. I have {$70000.00} in student loan debt and have run up credit cards paying for the hospital stays, doctor visits, and prescriptions. I am so much worse off than I was before enrolling in college. 

I thought I was making a good choice for my life by choosing to go back to college. Now I see it as the worst decision of my life. I ruined my life. They ruined my life. So much for the American Dream. I have no faith in our government any more since it seems that the XXXX is complicit in allowing for-profit schools like XXXX XXXX and others to prey on students like me and use us to steal our Federal aid dollars.
Product: Credit card or prepaid card

Discover dispute department doesnt know how to handle fraud transactions. They kept on applying all the fraud charges I reported. I was a victim of identity theft and they dont even recognized that.
Product: Checking or savings account

JP Morgan Chase Bank had closed my joint account and business account without giving me any reason whatsoever. I also believe JP Morgan Chase Bank is involved in several attempts to deny me access to information based on scam I reported to their Branches. My two accounts were closed, and I have been scammed by individuals in the United States and working abroad. The Bank refused to provide me with any assistance and asked me to report the case to the XXXX, which I did. I seek to get refunded for the amounts I was scammed in which JP Morgan Chase refused to assist me. I was also told by the Bank that my business account will be closed based on a fake check that was sent to me and the company that reported the issued check to me have refused to collaborate on the investigations.
Product: Checking or savings account

Ive not been able get into my account with Chime in almost a year, didnt need to really because I just had some small deposits going in there just saving money for a rainy day. to but I have had deposits going into the account nothing major just some investment income I planned on saving. But someone has been using my chime account for the last year. When I recently regained access to my account I had to change address, phone number, email because none of it was my own. ( fyi : I was refused to be given the information that it was previous before I changed it ) never lived at the address it had use. Ive contacted all merchants over these issues XXXX XXXX  ( that I dont even have an account with, sent documents from XXXX XXXX with that information, XXXX sent the email from them stating to file disputes with chime for the transactions and XXXX same as well yet Ive disputed the {$1000.00} worth of claims that Ive provided all information for and I was even told by XXXX XXXX and XXXX  that they havent been contacted by chime about any of the claims and 4 times now that Ive disputed and rebutted the claims Im still denied. Nobody will physically call me from the dispute team for whatever reason to even speak about the unauthorized claims. Im being wrongfully denied my money back. Ive lived at the same address for 30 years and I know the ip IS NOT the same as the one I have because I dont have any but one and due to all of this being over unauthorized transactions from my virtual bank card. Ive asked now for 2 months for the documents that were used to resolve the disputes and never have seen them. Also another huge thing in all this should have been the bank account that was linked to my chime account wasnt even mine! It was a chase bank which I do have a XXXX bank but Ive only had it a few months and Ive never ever once linked chime to it and I have proof of that. I have proof of everything. I just want my money back Im a single mother and Im struggling.

One thing I would like to add is that some of the transactions are going to a XXXX XXXX being transferred to it and it has my name on it but I can assure legally that I can not even create a XXXX XXXX  account period
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( 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 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud letter 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 or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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, credit repair services, or other personal consumer reports

I've attempted to contact Diversified Adjustment Service to provide with a written and signed contract between myself and Diversified Adjustment Service regarding repayment, all to no avail. I sent letters to this company XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The only response I've received are statements with my name on them. They refuse to provide the written and signed contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that -- -Experian -- XXXX XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for housing because I have changed employers. The apartment property management companies use a third party to score applications, and that party uses Transunion, which reports a " mismatch '' with my information, XX/XX/XXXX. I had been unable to obtain a credit report from Transunion to discover what this means. Online, when I filled in the information to get my credit report, I kept getting 'we are experiencing technical difficulties pop up '. After half a day and repeated calls, I finally reached a person at Transunion who could look at my report and tell me the problem : they have no social security number associated with my name. While thrilled that my information is not being abused, I still ca n't use it. They inform me that I can mail them copies of my id and SS, which takes 3-4 business days to process and another 7-10 business days to update ; meanwhile, more housing apps have been rejected - each of which entails a {$75.00} application fee. Moreover, I see my XXXX report that lists account after account : closed, never late. I have owned a home for the past 10 years and reliably pay every bill, yet when I move for work, my housing application is blocked by an inept reporting company. I tried to file a dispute, XX/XX/XXXX, with Transunion and their page pops up with a 'high volume, try back in 30 minutes ' message, for 5 hours despite refreshing and logging in anew. In the course of logging in, I was able to update my account which had an address from more than 10 years ago. When I try to get a copy of my report, I get a popup that I have already received it, which I have not. The Transunion site states that most disputes are resolved within 30 days, during which time, I 'll be paying XXXX for an extended stay hotel and another month of storage. Who is holding the reporting agency to quality control? I should at least be able to see my Transunion report.