23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and i are trying to buy a house and when my credit report got pulled a judgement of XXXX was on my report. When i dug deeper into it i realozed that this debit belongs to my father and not me. a couple years ago he showed me a letter stating that he needed to appear in court because midland funding was suing him for an unpaid balance.Also said it was for a credit card my parents decided not to pay anymore and just let it go. Now fast forwarding its on my credit and not my fathers. We have the exact same name cause we dont use our middle name. Midland funding did not investigate this matter to make sure they had they right person and now its affecting me and my family. I need this taking off my report immediately.My parents had the card for a very long time about 15 or 20 years. so that alone says i would be to young to have a credit card.
Product: Credit reporting or other personal consumer reports

Final Warning to all imposters using false statements and identity theft for profit and or gain! 

TRANS UNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self.

NOTICE of the Commercial Lien Process I have implemented.

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said Duty of Care is a CRIMINAL ACT and constitutes a tort against XXXX XXXX  and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a TRUE BILL, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas Statute 21-6107 is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the Equifax data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is the only reporting agency that has not corrected the inaccurate balance on my XXXXXXXX XXXX XXXX personal line of credit. I called in on XX/XX/2022 and the representative hung the phone up on me when I requested to speak to a supervisor. They have failed to respond in a timely manner to my initial complaint XXXX. Ive provided all necessary documentation via fax and through the CFPB portal and EQUIFAX still refuses to do their job. XXXX and XXXX have already made the corrections. Why has EQUIFAX not corrected my consumer file?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below on my Equifax report are reporting incorrectly. XXXX XXXX has been closed and paid for 5 years but somehow on XX/XX/XXXX Equifax has reported this account back on my consumer report showing a past due balance of {$21000.00}. Also, XXXX XXXX XXXX has been paid off since XXXX but yet Equifax is still reporting a balance of {$11000.00}. This inaccurate reporting has damage to my credit worthiness. ( 1 ) XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX } ( 2 ) XXXX XXXX XXXX Acct # XXXX }. I am appalled that Equifax has adding XXXX XXXX XXXX  Acct XXXX XXXXXXXX causing major damage. Something has to be done about this.
Product: Mortgage

I am an 100 % XXXX XXXX who was attempting to buy a newly constructed house using my VA loan. I was already pre-approved for up to 400,000 by XXXX XXXX  which was the lender that I chose to use but when I put a bid in on the house the realty company ( XXXX XXXX XXXX XXXX   ID ( XXXX ), the builder : ( XXXX XXXX XXXX XXXX ) and the lender that they are associated with which is ( Southern Trust Mortgage ) were requiring that I get a second opinion from their lending agent XXXX XXXX from Southern Trust Mortgage to see if he could get me approved for a mortgage before allowing me to buy the house. I had already chosen my lender XXXX XXXX   and was already pre-approved so I told the realtor that I was not going to allow Southern Trust Mortgage to pull my credit because I had no association with Southern Trust Mortgage. The builder was also giving 2 % on closing costs and other incentives if I used their mortgage company. I was told through my realtor ( XXXX in XXXX ) that they refused to give me those incentives if I didn't use Southern Trust Mortgage. I feel that I was being discriminated against due to the fact that I am XXXX American and my Mortgage company are both XXXX American owned businesses. I feels as though the builder, realtor and lender felt as though I could not afford the home which was priced at XXXX. I bought a home 3 days later for XXXX with no problems.
Product: Credit reporting or other personal consumer reports

In early 2023, my SSN and identity were stolen, and I have had to deal with fraudulent accounts and credit cards constantly since then. In XX/XX/2023, I was alerted to a new suspicious balance of {$7400.00} on my credit report apparently with XXXX. I've only ever been under my family 's phone plan, so I immediately knew this balance was not related to me. I also have no knowledge of how it was even possible for this account at XXXX to be opened under my name, since I have had a credit freeze/lock on my credit report with both XXXX and Transunion since XX/XX/2023. I went to file a dispute with Transunion in XXXX XXXX and they did not change anything on my credit report and claimed all information was accurate ( which it was not ). Then I filed a second report on XX/XX/2023, and it yielded the same result. Transunion not only allowed for someone to falsely open a massive balance under my name and information despite the freeze, but has also taken no action to help remove this disputed information from my credit report. None of the {$7400.00} balance due to XXXX was opened by me, and it's not even remotely related to anyone in my family 's account. This was clearly opened by the person who stole my identity, as they have previous experience with trying to open accounts at telecommunication companies. They previously tried to open a large balance with XXXX using my information, and I was able to dispute that, but now I Transunion is not assisting me with this fraudulent XXXX account . Please can you help me with this.
Product: Checking or savings account

I had an account with Union Bank until 2018. I was supposed to receive a 1099 INT from the bank for the account opening bonus I earned. However, the bank never sent me one. When I called the customer service phone number and spoke for almost an hour, the bank wanted me to come to a branch to collect the form whenever they got around to mailing it. No one has committed to mailing any form or acknowledging that the form would be created. In the meanwhile I am expected to keep polling the branch if they got any mailed form for me. Why does the bank not follow regulations and mail the 1099 INT form to my home address as required by law?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that have been fraudulently opened in my name due to identity theft : 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 Additionally, I request the removal of closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these were also opened fraudulently. 

I reported my identity theft in 2018, and this is on record with both XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have these fraudulent accounts removed from my credit report. 

I expect a response within 30 days, confirming the removal of these accounts from my credit report. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

A line of credit was opened up in my name with my personal information by a company Transform Credit
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>
Product: Mortgage

XX/XX/year> I received my mortgage statement that my payment changed from {$690.00} per month for my investment property to {$900.00} per month starting XXXX XXXX. 

My Realestate taxes have decreased and my property insurance has decreased to $ XXXX year and my taxes 1st installment have decreased to {$430.00} and my second installment should me {$430.00}, or lessor. 

My mortgage payment should have decreased after my escrow analysis for the upcoming year. 

I have to pay water bill also and expenses that may arise. Will not be able to afford the increase for the mtg payment and do not want to loose my home.
Product: Mortgage

XXXX paid our taxes of {$3700.00} on XX/XX/2023. PHH  bought the loan and started servicing it on XX/XX/2023 and PHH  paid {$3700.00} again on XX/XX/2023. I spoke to XXXX XXXX at XXXX XXXX XXXX tax dept. and was advised that she received XXXX 's check and found that it was an overpayment. 
She did not deposit the check, she returned the same check to them the beginning of XXXX. That was almost 2 months ago and our escrow account should not be showing a negative balance. I have emailed PHH Mortgage with no response and called several times with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. Remove this fraud account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Credit Repair Organization Act, businesses are not able to charge for credit repair services until they have been rendered. This business has charged be for 7 months, approx {$900.00}, with no ability to show actual services rendered. They say they are sending repair request letters, however some of the things that need to be repaired are incredibly simple items that I was eventually able to solve on my own with a simple stock letter from XXXX. And I have my account set up to receive alerts when disputes are returned. And I have not received dispute resolutions from my creditors, which means no letters have been sent out. This is blatant fraud, and illegal according to the CROA. 

I have tried multiple times to cancel with the company and they keep charging me. I have called and cancelled over the phone and sent letters through the mail, as is stated in the agreement in how to cancel. But they simply say that they never received the letters. This company is blatantly committing predatory fraud. If you do start doing business with them, the only way to stop is to cancel/change your card so they can't keep charging you.
Product: Checking or savings account

I filed 3 separate claims with Capital One on XX/XX/22 - XXXX, XXXX, XXXX. There had been over XXXX fraudulent charges on my checking account of about {$3000.00} over the course of 3 weeks in online transactions at XXXX, XXXX and XXXX, and XXXX. In under XXXX hours, I was notified by Capital One that my claims were denied and my disputes were closed. They told me my claims were closed because they did not follow a pattern of fraud because the charges took place at stores I personally and regularly shop at. I have evidence that my debit card information was stolen and have turned this information over to the police in XXXX  XXXX and filed a police report - Case # XXXX. Capital One has done absolutely nothing to help me or protect me as their financial customer of over two decades. I have also reached out individually to XXXX, XXXX and XXXX, and XXXX and received no help whatsoever from them.
Product: Student loan

The past few years have not been easy for myself and my family. I have had low paying jobs for most of my working life, as well as my parents. 

Discover Student Loans would only " help '' me by lowering my monthly payments by $ 200- {$400.00} a month for only a few months, then demand I pay the full price once again. I have tried applying to better paying jobs, but was either scammed, rejected, or couldn't afford to move to a better location where the truly better paying jobs were. Then the pandemic hit. Discover was only willing to help me for 6 months, then I had to beg and plead for them to give me extra help. 

I've found out last month that I am being forced to move out, as my landlord does not want myself and my roommates to live here anymore. I can't pay {$1200.00} a month for rent, utilities, food, phone, and car expenses, along with {$1600.00} and change a month when I only make {$2700.00} after taxes. I told Discover my current issue, and asked them for help, as my payments have become late. I have been told by XXXX person that I should have thought about whether I could actually afford college, as opposed to just jumping in. I have also been told that while they " sympathized '' with me, I did sign an agreement between myself, my cosigner, and them. Therefore, I must find a way to pay them back, plus interest. 

I didn't ask for this pandemic to happen! I didn't ask to be let go because the company was downsizing! I didn't ask to be fired because the job I thought I had applied for was actually a scam! I did as I was told - I went to college, earned XXXX degrees, and applied to the jobs the degrees were meant for, only to be turned away because I " didn't have enough experience ''. 

All I am asking for is help, not increasingly hiking interest rates, calls from Discover Student Loans XXXX to 8 times a day demanding I pay them even though I tell them I don't have any money to give them yet, and complete strangers berating me and saying I made bad choices with " their money ''. 

If there is only XXXX lesson I get to learn today : NEVER work with Discover Student Loans. They're nothing more than glorified loan sharks.
Product: Debt collection

This lady came over the house representing Flagstar Bank my wife was coming out to do an errand and the lady call out from XXXX XXXX XXXX my name XXXX I have it on video my wife told her was going on she said its about your mortgage youre behind on some payments but she couldnt say no more and gave my wife this letter from the mortgage company. My wife was so embarrassed because my neighbor was Outside. Now we all feel humiliated and embarrassed by the bank actions when I already had made arrangements to pay on the XXXX XXXX XXXXXXXX. I did call today the XXXXXXXX XXXX XXXX they denied that I had made any arrangements and that the lady did not represent the bank
Product: Debt collection

XXXX XXXX Last 4 Ss # XXXX DOB XX/XX/XXXX Security Credit Service Reporting a account on my credit on behalf of XXXX XXXX a company that Was already disputed several times and removed from my credit report because whatever or whomever they are is trying to collect from a fraudulent account they are aware that I'm a victim of identity theft and they keep attempting to collect on a debt that I don't owe. I'm in the mist of purchasing a home and if this dropping of my credit score affect that for a fraudulent account this will also serve as a notice of Suit for injury caused by Security Credit Service and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from Wells Fargo in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from Wells Fargo to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Product: Student loan

I am submitting this complaint regarding Nelnet, which has failed to acknowledge the documentation I submitted to prove my status as 100 % XXXX  XXXX. Despite submitting this documentation XXXXhree timesvia email on XX/XX/year>, XX/XX/XXXX and XX/XX/year>, to the designated email address ( XXXX ) I received letters dated XX/XX/year>, and XX/XX/year>, stating that I have " not provided sufficient proof that show I am 100 % service connected for loan forgiveness. '' On XX/XX/year>, I spoke to a representative at Nelnet who advised me to submit my " VA Benefits Summary Letter '' as proof and that the documentation I sent on XXXX XXXX was not the " type '' they needed. I informed her that the rejection letter never specified the " type '' of documentation, it says to " show proof '' from the VA. 

I followed the representative 's instructions and submitted this exact document via email on the same day and again on XX/XX/year>. A letter was generated on the XXXX, not even a day later and I received the letter in my mailbox on XXXX of XXXX with the rejection status. No email follow-up. 

This repeated failure to process my documentation has caused undue frustration and concern, as my 100 % XXXX XXXX status entitles me to specific benefits that are currently being denied. NELNET is " rejecting '' my application every time I submit my documentation. 

This company is practicing in unfair treatment by withholding specific information and not communicating with the consumer in a timely manner. Additionally, they are practicing willful neglect in not reviewing my application completely. This has been over XXXX  days of back and forth with this company, which is a systematic way of stripping a XXXX XXXX of entitlements.