23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

I am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email on XX/XX/XXXX from BOA indicating that there finding are correct on my credit report. The account is closed for year still shows open on current report. They are saying that a unsecured line of credit account ending in XXXX was opened on XX/XX/XXXX, and is charged off as a loss to the bank on XX/XX/XXXX. Could they show the paperwork where I signed for this account with BOA on XX/XX/XXXX. I know this to be wrong I never open this account with BOA? Please show original documents to this account?
Product: Student loan

I am in a flux of calls about my student loan which is just wrong. Multiply calls coming in from collectors saying they represent Navient. Even calls coming from XXXX now??? 
Callers say they are legal operators. They have no knowledge of who they are talking too! Their amounts all suggest different levels of debt. But it is time to focus on local issues involving Elections and every year the calls triple. Maybe next year I will become incognito. For now I must stay connected to my phone and emails. 
Callers are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX during just 2 days. I wish they could get really involved with true and valuable collections if owed. But this is just Bullying at it's worse but people must pay them to keep after it.
Product: Debt collection

I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me XXXX times a day, as a XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
Product: Vehicle loan or lease

Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!
Product: Money transfer, virtual currency, or money service

Bank of America is not releasing my direct deposit sent from my employer. The money shouldve been deposited on ( todays date ) and I need it to feed my children. BOA is blaming it on other institutions as the reason and this unacceptable.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

This creditor XXXX XXXX XXXX added a collection to my account for a account that was open due to ID theft, this account should be removed from my credit profile as the debt does not belong to me. 

I have reached out to the company 7 times in the last 2 months with no help from the company. 

Account opened XX/XX/2022 amount owed {$610.00} this collection is showing on my XXXX  credit report and is false
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance : {$810.00} Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Reported on : XX/XX/XXXX XXXX XXXX XXXX Balance : {$520.00} Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Reported on : XX/XX/XXXX XXXX XXXX XXXX Balance : {$90.00} Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Reported On : XX/XX/XXXX I tried disputing these collections from my credit and Experian is returning them to my credit. I did not authorize these collections. Please investigate and remove from report.
Product: Debt collection

This is another attempt to resolve this matter ; exhausting my remedy prior to taking legal action against LOANCARE and all of its affiliate entities i.e. newrez, etc. On numerous occasions, I attempted to resolve/settle this issue with the LOANCARE ( I demanded proof of a valid contract with Signatures between me and LOANCARE ) but LOANCARE never responded. 

LOANCARE is engaged in FRAUD and CRIMINAL ACTIVITY ; obtained my personal information from various sources ; to create a fraudulent credit account. I NEVER authorized LOANCARE to create a credit account. 

FRAUD : 1. In XX/XX/2019, I became aware of the fraud. 
2. This account was opened without my knowledge and without my consent.

3. I DID NOT request to open this account and I DO NOT have a written agreement to open a LOANCARE account ( no communication ; no signature ).

4. I NEVER made a contract for services or payment to this fraudulent creditor.

5. Numerous occasions, I contacted the fraudulent creditor ( LOANCARE ) to inform them that I do not owe this debt. I demanded that the fraudulent creditor to provide the original ; signed agreement between the Principal and LOANCARE. LOANCARE failed to reply.

For two years, I have been subjected to ongoing fraud, extortion, harassment, conspiracy, and injured ( i.e. negatively impacted consumer credit profile/rating ) directly ; due to the actions of LOANCARE ; who continuously report false and fraudulent information to the three credit reporting agencies.

On four occasions, I disputed the information LOANCARE provided to the three credit reporting agencies. The disputes were futile because my personal credentials were compromised and used to support the fraudulent activity. IRONICALLY, the three credit reporting agencies validated the fraudulent credit account BASED upon my validated personal credentials, which were used to support the fraudulent credit account. 
I NEVER provided any personal information or data to LOANCARE. 
I NEVER agreed two terms and conditions with LOANCARE.

There is NO CONTRACT nor agreement between me and LOANCARE.

I NEVER made a payment to LOANCARE.

DEMAND to fraudulent creditor : Provide the original ; signed agreement ; displaying personal signature.

LOANCAREs operations are unethical and fraudulent and MUST be terminated immediately ; numerous similar complaints posted online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice XXXX, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 
2 ) Then I called First Financial Investment fund ( the company that placed the account with XXXX ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called First Financial again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company First Financial Investmern fund IV. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.
Product: Bank account or service

Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXXXX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX : # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXX: # 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, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by 7 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 person knows or has reasonable cause to believe that the information is inaccurate Charge Off 's U.S.C 1681 THIS IS INCORECT & INACCURATE INFORMATION THIS IS NOT MY DEBT
Product: Debt collection

creditor withdrew original.debt told collector drop but it is still on my credit report
Product: Debt collection

ENHANCED RECOVERY COMPANY {$430.00} - VIA XXXX XXXX The debt originates from my deceased father opening a cable account under my name. 
I had no access or idea this account was opened. 
This debt was originally put on my credit report by XXXX XXXX XXXX, and I disputed and won that dispute, XXXX appears to have then sold the debt to ERC, who now calls me constantly, even after I have told them that I have not or do not hold a XXXX account in my name. 
They call me every five days like clockwork and it has been going on for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights reporting 21 late payments. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Product: Mortgage

In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. 
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, XXXX and experian to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second notice I am having with CAPITAL ONE I have Account Reviews Inquiries was unauthorized.