23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a XXXX XXXX XXXX application for my enrollment in the XXXX XXXXXXXX XXXX XXXXXXXX. My federal loans have been discharged due to the findings of the investigation by the Department of Education. 

The press release, the notification email the Department of Education sent to me along with my enrolment dates were submitted in the lengthy application. Navient informed me that I did not meet the qualifications.
Product: Debt collection

Mountain Run Solutions at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, has been sending me collection notices through text and written notices in the amount of {$1500.00}. The collection has been reported as past due balance. I DO NOT know this company nor have I ever done any business with this company. The company does not have a contract with my signature and has failed to respond to any written notifications to validate their claim. According to the FCRA, Mountain Run Solutions had violated my rights as a consumer and I am requesting legal action to remove this from my report immediately.
Product: Credit reporting or other personal consumer reports

I have sent debt verification letters to all 3 credit bureau as well as company XXXX XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to experian that in all 3 months I was XXXX days past due how is that even possible, to XXXX it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX
Product: Mortgage

I refinanced my home around XXXX XX/XX/XXXX for {$390000.00} with Vellum Mortgage in XXXX, VA. There is no prepayment penalty and Vellum 's own statements explicitly state that any additional funds will be applied to principal while also giving me the option to be more specific as to where the funds should be applied. Vellum refused to apply additional funds to my principal balance and told me their policy was to hold it all in an escrow account for future transfer to whichever company may acquire my loan. I made 2 payments, with an additional {$510.00} in each payment. I contacted the company to rectify this after it was obvious what happened the first time. I then received a corrected statement showing my payment was applied to principal. After the second payment I requested an update and it was then I see that the document they sent me was falsified and they did not apply my additional funds, now totaling {$1000.00} to my principal which resulted in me paying additional interest that I would not have otherwise. My loan has been sold effective XX/XX/XXXX and my additional payments, if applied on XX/XX/XXXX still result in me paying additional interest and my loan amortizing slower than if my payments had been applied correctly.
Product: Mortgage

My ex husband filed for Chapter XXXX bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. Since then my mortgage company hasn't been reporting on my credit report ( I did not file Chapter XXXX bankruptcy ). This has prevented me from obtaining loans and credit cards due to insufficient credit history. 
When I called Select Portfolio Servicing on XX/XX/XXXX, I was advised that they had every right to prevent reporting on my credit because the debt it joint and that I would need to put my request in writing along with detailing that I didn't file bankruptcy because they still have the account in bankruptcy status on their system. 
I did research and found that not only are they wrong, but they have done significant damage by not adhering to the Fair Credit Reporting Act and the Consumer Credit Protection Act, which states credit it individual and my ex-spouse 's bankruptcy should have never effected reporting on my credit reports. 
I deeply concerned that this is their policy and not only have they caused me harm, but could be causing harm to other spouses that were not included in bankruptcy filings.
Product: Credit card

XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}
Product: Debt collection

For a little over two months now I have been working with Portfolio Recovery Associates to get accounts removed from my credit report and stop collection activity because these 3 accounts were opened from a previous address where I lived in XXXX. I was living in XXXX during the timeframe notated in their documentation. I asked them to provide some additional proof beside billing statements because all of that documentation shows and address where I was not living at that time. However they continue to send the same documentation and say that it 's verified. I need some help getting to the bottom of this issue and getting it resolved. I filed a better business complaint and the company did not respond so I am hoping you all can help. I have sent my offer letter from my job here in XXXX, utility bill, and lease agreement. I also have current accounts opened with the companies they are stating that I owe and I am unsure how they would allow me to open new accounts with charged off accounts in their system. The three cards are two XXXX XXXX cards and one XXXX XXXX XXXX XXXXXXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$58000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Applied for a USDA loan with Cross Country Mtg. Was promised a call back 3 times ; never heard anything from the company. Also sent them a contact request through their company. We applied for a mortgage and was never sent any required disclosures or communication by law. Last time we contacted them was to get proof our information has been withdrawn from their system and we again were promised someone would call ... nothing. This company should be held responsible for their failure to provide the required information within 3 days of someone applying for a mortgage with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the  courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I never agreed to information sharing with a company I never agreed or signed a legal binding contract with XXXXXXXX XXXX I never signed a contract with this company My information was shared by Navy federal without my permission XXXX stole my information They do not have my permission to report inaccurate accounts with balances Thats a charge off And late payments is violated my consumer rights
Product: Credit reporting or other personal consumer reports

I believe my information was exposed in a Data XXXX. As a result of that, there are incorrect information on my credit report. I ask that these charge offs, late payments, collections, and or any other negative reporting on my credit be removed. Thank you!!!
Product: Debt collection

This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.
Product: Mortgage

I had to file a homeowners insurance claim due to flooding in my home. The money source also had to endorse the check for my insurance claim settlement. They took control of the funds and are doing a monitored claim. They will not release any more funds for more repairs until they have done an inspection. I tried to schedule this inspection 2 weeks ago and have continued to reach out throughout the 2 weeks to schedule this so I can continue with my home repairs. XXXX has not scheduled this inspection after 2 weeks. I have also tried filing exception letters to get more funds released to continue the repairs to no avail. I am expected to complete 50 % of repairs with not even 25 % of the money. XXXX also keeps closing the exceptions I have filed after making me jump through many hoops. They have all the information that is needed supplied by my insurance company and contractor but refuse to move this along. I have mold growing and XXXX does not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT at Bank of America and this Loan was fraudulent. XXXX  and XXXX  removed the account but XXXX refuses. I have FTC Fraud Report and Police Report. Plus I have asked BofA to produce proof of loan and they can or will not. 


Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files XXXX   STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
Product: Checking or savings account

On XX/XX/XXXX I wrote a check that was presented electronically. On XX/XX/XXXX the same check was then presented as a paper check. I disputed the item on XX/XX/XXXX, but it was rejected. A few days later I called back and was told a manager would call me, but did not receive a call. I waited a few days later and called back in, but was unable to reach anyone. I attempted to resolve through online chat, but was told I'd have to call in. I then tried to call in and another dispute was processed. I asked to speak to a manager who  said it was the wrong dispute. She transferred me to the branch who then processed the exact same dispute which was again rejected. I went into the branch and was assured that it would be resolved, but it has not. I have been assed {$180.00} in overdraft fees and there is still no resolution as of XX/XX/XXXX. I am told to expect a call on XX/XX/XXXX. Total loss is {$220.00} and no one is actually calling back as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I notified XXXX  before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself
Product: Checking or savings account

On XX/XX/2021, Bank Of America placed a hold on my account for " fraudulent transactions ''. I cant remove the hold because I no longer have access to the phone number I registered my account with, and I was told I'd have to visit the branch I opened my account with, the problem is it temporarily closed. They refuse to let me update my personal settings regardless of me providing my personal information. They also havent sent my new debit card in the mail and it's been over 3 months. So I can't enroll in online banking neither. The hold is unneccessary, they flagged me for transfering money to my XXXX XXXX XXXX XXXX card, because that was the only way of me accessing my Funds I've been needing since they have failed to send me a new debit card. I need help updating my personal settings
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Mortgage

Loancare , LLC services my mortgage loan. They require I have an escrow account so they can pay for the home insurance and property taxes. Every year they have failed to make one or more of these payments despite my detailed, documented and explicit instructions. They take my money and hold it all year without intention of making the payments they are contractually obligated to pay. They have let my insurance policies lapse multiple times and required me to pay for them out-of-pocket despite my payments to the held escrow account. Additionally, I have requested for them to provide me with contact information for the proper regulators and authorities to resolve this dispute, they refused this request on multiple occasions. Finally, I have requested a physical address to serve legal notices and like communications and was also denied this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan Servicing a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for Fedloan Servicing my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that Fedloan Servicing still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the Fedloan Servicing Account from XXXX, and XXXX, but they have not removed the account from XXXX. See Attached.