23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying on my student loan for 10 years and I owe more than the original loan amount. I have had some temporary forbearances due to a parent 's XXXX XXXX  and a lengthy contested divorce, but my remaining balance has remained the same despite many steady years of repayment. The terms of the loan repayment appear to be a deceptive interest only scheme, which is something I would never have agreed to if the terms had been properly explained. If my student loan amount of {$21000.00} were a car loan, it would have been paid off already in less than 10 years. The terms of my loan are suspicious and my student loan has become an chronic, persistent, never ending financial burden. My only option is to now obtain a home equity loan to pay off my student loan as the terms of a home equity loan will be far more cost effective and safer than the unconventional and misleading Navient student loan terms. I should have been better advised 10 years ago as I could have saved thousands of wasted personal income by securing a home equity loan then as a more sound method of repayment. As a single parent, Navient has profiteered and deprived my XXXX children of expenses that could have used for their educational fund. My conclusion is that student loan repayment services like, Navient, are predatory lending agencies designed to generate immense revenues at the expense of the student versus assisting with the cost of education. Students should be duly warned that student loans are basically equivalent to taking a loan from a loan shark.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, {$200.00}, Sequium Asset Solutions reporting inaccurate information to the credit reporting agency and this need to be remove immediately. This need to be remove from transition, XXXX and XXXX. 


There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following ; _______________ Thank you for your cooperation Sincerely______________
Product: Mortgage

Hello, to whom it may concern i am writing to you because my mortgage lender modified my loan back in XX/XX/2020. Since then i been asking for them to mail a copy of the final loan modification agreement. 


Since then they keep telling me they are working on it to update their system and bring the account current since it was modified. 

Now after 4 months trying to even get someone on the line from my mortgage company they keep blaming each other telling me that investor lost my loan modification agreement ( the final one ) and i have to re apply all over again. 

Which on the mortgage statement i am now showing behind with all payments. please help since i am XXXX years old and i dont have the energy to be after my mortgage company trying to fix their mistake. 

Please help!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX XXXX XXXX XXXX XXXX, Reference # XXXX Account Number on your letter # XXXX This is Fraud I did not give you permission to open up an account in my name using my social security Number. I will be reporting you to the Department of Justice and to the Consumer Financial Protection Bureau. 

Reference # his letter is being sent to you in response to an entry made on my Credit Report dated XXXX Please be advised that this is not my debt nor am I responsible for this said debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.Debt validation includes the following : I need the following information immediately.

1. Provide proof of validation of the debt and the assignment of debt. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this account with my original signature not a copy nor electronic format, also the sum of money said owed.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

7. Where is my 1099? I will report you to the IRS for Fraud. You provided incorrect information to your accounting department and they reported Fraud to the IRS> I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries from XXXX BANK XX/XX/year>, XXXX BANK XX/XX/year>, XXXX BANK XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXXI opened up an account with XXXX XXXX with XXXXXXXX XXXX, with a deferred interest plan and made a purchase of {$8400.00}, I later made a second purchase onXX/XX/XXXX for {$1000.00}. I was making monthly payments of the amount I was originally instructed to pay. OnXX/XX/XXXX I had a remaining balance of {$1700.00} for the first purchase and {$750.00} for the second purchase, and I was charged the accrued interest of XXXX. The only information about this upcoming charge appeared on the statements online, not the emailed statements. I should have received an email statement including the balance, as other emails from this account have included the current balance. The online portal also lists no information about the deferred interest due date, and is only available with downloading the statements. There is also no way to view the Credit Card Account Agreement online, as referenced on the homepage. This vital information should be readily available online. Had I known about this charge I would have paid it off at once. When this charge occurred on XX/XX/XXXX I did not receive any statements until XX/XX/XXXXreflecting this new balance. I called instantly and no one was able to help me, and was told it could only be disputed within 3 days, but was not made aware of this charge during the 3-day period. I then spoke with a manager where I offered to completely pay off the original balance in lieu of the finance charge but he stated that was " unfair to the other store accounts ''. The only step he said I could take would be to send a letter to dispute the claim. I sent a letter on XX/XX/XXXX but have still not gotten a response. This delay in contact or resolution is ultimately allowing XXXX to accrue more interest while I am disputing this claim. XXXX XXXX also did not allocate the entire amount over my minimum payment to the balance on which interest was deferred during my last two billing cycles/payments preceding the expiration of the deferred interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM EXPERIAN 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM XXXX
Product: Credit card or prepaid card

A PayPal credit card was opening in my name : account # XXXXXXXX XXXX XXXXXXXX XXXX. Everything was correct for my info except them using my maiden name ( XXXX ) instead of XXXX. They used an email address that isn't mine either XXXX They charged XXXX in fees as well.
Product: Credit reporting or other personal consumer reports

Date for compliant is XX/XX/year> ; XXXX XXXX  XXXX reports that fraud was done with my name. I am not aware of any fraud done in my name during XXXX. The information that is being reported is incorrect. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission. 

I am requesting to have this taken off my credit report. This information on the early warning system report is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that EQUIFAX Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the INQUIRIES that need to be removed from my file : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

They call before XXXX XXXX and frequently during a day without leaving any messages. I asked several times to not call me but it did not work. 
They claim that they are debt collector but their information is wrong. When called back operator asked me for my personal information ; I hang up without disclosing anything. 
Their numer on caller ID is ( XXXX ) XXXX, and the displayed name is " Maryland ''. 
Automated voice does not pronounce company name clearly enough : " ... World system Incorporated ''.
Product: Credit reporting or other personal consumer reports

I am the federally registered trademark and copyright holder of the XXXX XXXX XXXX XXXX XXXX. Freedom Mortgage is actively sending billing statements, maintaining account records, and attempting to collect on a mortgage loan under this protected name without a valid license, contract, or legal authorization to do so. 

The name in use is a registered trademark ( XXXXXXXX XXXX XXXX ), protected by copyright ( XXXX XXXX  ), and listed as an assumed commercial name. No license agreement or assignment has ever been signed authorizing Freedom Mortgage to act under this name. Their continued use in billing, risk servicing, and XXXX maintenance is unauthorized and violates federal consumer protection and XXXX  law ( 15 U.S.C. 1125, 17 U.S.C. 501, and related XXXX provisions ). 

They have been placed on notice that this name is under commercial protection, and they have failed to validate their authority to use or enforce any contract under it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file
Product: Prepaid card

I have a {$100.00} gift card purchased from target that is american express. It says the card security code is invalid even though it is clearly printed on the front and matches the reciept. I have called numerous times and noone will get back to me and their automated system hangs up on me as soon as I am transferred to speak with someone.
Product: Credit reporting or other personal consumer reports

To : Whom it may concern, I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. My information was exposed in the XXXX XXXX data breach as well as the XXXX data breach. Aside from those facts I was incarcerated at the time these fraudulent accounts were opened. These fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report. I am disputing this with you directly. I have two documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I received a letter stating my request did not include the required information for the fraudulent accounts to be blocked from my credit file. The documents required by law are 1. Proof of my identity ( social security card and drivers license attached ) 2. Specific information regarding the identity theft ( specifics provided above ) 3. A complete and submitted copy of my Identity Theft Report with the Federal Trade Commission. I appreciate your prompt attention on this matter and I await your reply thanks. 

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

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXX, XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX : ACCT # XXXX
Product: Debt collection

Just got a notice from my credit monitoring service that a new debt was attached to my credit report. I immediately disputed it online through XXXX and they sent me an email the very next day that said the investigation was complete. I find that very hard to believe there was any 'investigation ' at all, given that I had commented that the debt was 'fraud ' and does not belong to me. How was this debt verified as belonging to me in XXXX day, and how was it 'verified ' if it is n't mine? I do not owe this company money, and this debt is fraudulent. I have a very common name and do n't understand how something can attach to my report without proof of it being mine!!! I need this item completely deleted from XXXX and any other reporting agency, as this debt is fraudulent!!!
Product: Student loan

I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint on XX/XX/2021 in regards to improper reporting and other consumer violations. I have submitted letters to the companies involved prior to that. 
The complaint was closed due to XXXX and Transunion needing " authorization/verification ''. I called the phone number provided in the response and was told to re-file my complaint. 
I will enclose the previous supporting documentation as well as the original complaint on XX/XX/2021
Product: Mortgage

XXXX XXXX XXXX ( Registered Nurse ) and property owner of XXXX XXXX XXXX XXXX, VA XXXX does not desire to withdraw her consent agreement with the U.S. Department of Health & Human Services HUD against Wells Fargo Bank , N.A . on the basis of XXXX XXXX  towards XXXX XXXX lenders in a housing case. She further states the following : XXXX. XXXX XXXX XXXX initiated a mortgage loan application with Wells Fargo Home Mortgage in approximately XX/XX/XXXX and her assets were many and included but is not limited to a checking account with greater than {$8000.00} after paying fees such as land surveys, perk testing, building permits, driveway/entrance, etc. that totaled greater than {$2000.00}, a line-of-credit with Virginia XXXX XXXX that had been unused for the amount of {$15000.00} and could be increased to {$50000.00}, a land loan from Virginia XXXX XXXX that she was pre-approved for in the amount of {$12000.00} that she subsequently closed or turned down after being offered a line-of-credit with Virginia XXXX XXXX, and a personal loan for {$5000.00} that at the time was under {$4000.00} and only was utilized to establish credit in addition to the many credit cards and car loan she had. Wells Fargo Home Mortgage approved XXXX XXXX XXXX solely for a mortgage loan of {$200000.00} in addition to all of the other established credit history XXXX XXXX XXXX possessed. 

XXXX. XXXX XXXX XXXX has evidence that her construction contract once finalized came in at approximately {$150000.00} with XXXX XXXX XXXX paying some expenses out-of-pocket and/or agreeing to credits for other things. The mortgage contract XXXX XXXX XXXX signed was for {$160000.00} and this surplus amount is in excess of {$10000.00} with XXXX XXXX XXXX only receiving a check for {$1200.00} at closing. 

XXXX. The mortgage deed of XXXX XXXX XXXX does not permit a trustee ( substitute or otherwise ) to convey the property and the evidence file by XXXX XXXX XXXX in XXXX cases in XXXX XXXX XXXX XXXX, VA clearly shows the XXXX XXXX paid the clerk 's office $ XXXX to change the deed. ( See attached documents ) XXXX. Reinstatement further states that a borrower XXXX prevent a sale by appearing with cash, certified check, etc. to recover property and when XXXX XXXX XXXX filed a case against the Substitute Trustees and their attorney ( s ) in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also appeared after the sale was cancelled with cash. In XX/XX/XXXX, XXXX XXXX XXXX was involuntarily detained for having too much cash in her possession and further for being on foreclosed property with no proper documentation presented. 

XXXX. There is no evidence that XXXX XXXX XXXX posed any financial hardship to Wells Fargo Bank. Wells Fargo discriminated against XXXX XXXX XXXX.
Product: Checking or savings account

A while ago, I'm not sure exactly when because it's been a long time. I tried to open a PayPal account. It was immediately limited and I wasn't able to use it because according to them there is activity that is inconsistent with the user agreement. I never even got to use the account and there was never any activity on the account. They never even sent me a PayPal card. Now it says I am not allowed to ever use PayPal. I tried to find out what was going o with no luck in getting a straight answer at all. They asked for my driver 's license and bank statements to verify my identity which I provided and I still can not use it.