23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a repayment contract with Nationstar Mortgage , LLC XX/XX/XXXX, as I lost my job in XX/XX/XXXX and fell behind. I have paid {$150.00} extra ( per our arrangement ) every month since XX/XX/XXXX for a total of {$890.00} but none of my extra money has shown on my payment history. I keep getting threatening phone calls and letters with none of them referring to the repayment plan letter sent to me. I need Nationstar to show & apply these extra funds to the principal of my account as well as fix my credit report they keep reporting to as I am delinquent. I also need them reported to the governing body of mortgage banks as they are disreputable and should be investigated. It took them 14 months to approve my mortgage modification loan and then did it for 40 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.
Product: Debt collection

incident occured on XX/XX/XXXX Received a call from XXXX stating that this is a skip trace call and to press a number or they will contact family members to get information. I hung up and called the number back to find out what this was all about. A woman named XXXX from FMR Forward Movement Recovery answered stating this is an attempt to collect a debt and that it was a debt from XX/XX/XXXX with a XXXX XXXX XXXX in the amount of {$750.00} dollars is now due and she stated that the loan would have been obtained 1 to 4 years prior to that. 

I have not received any mailing stating I owe this debt, nor am I aware of ever having done business with XXXX XXXX XXXX or Forward Movement Recovery. This does not show up on any of my 3 credit bureau reports. 

I have the phone call recorded also.
Product: Debt collection

Portfolio Recovery Associates has repeated cycled and called regarding a {$180.00} debt. Years ago they claimed it was from a XXXX debt that I paid off, and when that failed someone on the phone said it was another debt that I paid off, from XXXX. Currently my credit report says XXXX XXXX was the original creditor. I never owed XXXX XXXX. When I asked for any kind of proof of debt to be sent to me, they claimed they did not need to provide one. They claimed that the burden of proof was on me to prove I did NOT owe the money. I am not interested in falling prey to some kind of scam, otherwise I would just pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 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  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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

XX/XX/XXXX 1. Credit Acceptance has NOT sent me my lien release for my old car XXXX XXXX XXXX XXXX since XX/XX/XXXX when Credit Acceptance received final payoff of loan on XX/XX/XXXX of {$6300.00}. 
2. Credit Acceptance has recorded on all of my 3 credit bureaus ( XXXX , XXXX and XXXX my loan as CLOSED. My loan is PAID IN FULL. FCRA violations. Credit Acceptance by law is to contact all 3 credit bureaus mentioned above -- as paid in full-zero balance.

3. Credit Acceptance has NOT recorded the month of XXXX XX/XX/XXXX payment for XXXX full payment on all 3 credit bureaus.

4. Credit Acceptance has NOT sent me my credits on my old loan. {$15.00} ( see attached ).

5. Payoff for my loan was {$6200.00} per right XXXX and on my finance papers. 
6. XXXX XXXX sent Credit Acceptance too much, {$6300.00}. {$110.00} difference due to me. 
7. Credit Acceptance stole my {$1600.00} down payment and added it to the cost of my old vehicle-see attached. Auto Dealer Fraud.
Product: Credit reporting

I called and wrote multiple letters Equifax to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.
Product: Debt collection

This is a medical bill that was 100 % covered by my insurance. It just showed up on my credit bureau, as the only negative account I have. I called the collection company. The company being, AMCOL SYSTEMS@XXXX. XXXX XXXX XXXX, SC XXXX. This company was informed of my insurance company being responsible for this medical bill. I called them over and over about pursuing the bill thru my insurance company. When I saw this bill in collections thru XXXX XXXX, I called the insurance company again and was given some very upsetting information. The agent at my insurance company said that Amcol Systems REFUSED TO RECEIVE THE DOCUMENTATION PROVING THAT I WAS COVERED AT THE TIME OF THIS MEDICAL EMERGENCY!!! I am very overwhelmed with this since I care dearly about my credit and this one bill has brought my score down over 20 points. I am talking to an attorney now. This is so wrong!!! I have recently lost my husband, had a XXXX XXXX and XXXX XXXX XXXX. I am in a wheel chair, unable to drive so I have tremendous challenges both physically and emotionally. I am going to get the documentation myself and fax and mail it directly to the collection company. If this isn't resolved soon I will pursue legal council and file suit against AMCOL SYSTEMS.
Product: Checking or savings account

Hello, my husband and I had deposit our IRS check to his Citibank account at a branch atm where my name wasnt on the account. Citibank sent us the check back and told us they couldnt deposit the check because my name wasnt on the account. We go to the branch and speak with an associate. She helps us open a new account under both of our names and tell us that Citibank will send us the check back and we can re-deposit the check to our account but to use a teller and not the atm. We received the check and I go to a Citibank branch closer to our home. During this time we also had transfer the funds from his individual account to our share account there at the bank in person. We had also deposit our paychecks. Citibank then closes our account due to fraud because we deposit the check they sent us back. Now all of our money ( {$15000.00} ) is frozen in the account for the last 30 days. They say the investigation takes 30-60 days but they have not communicated with us. We have banked with them for 10 years and now theyre doing this to our family putting us is a very difficult position.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX VISA Account # XXXX Account Name : XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I received a letter on XX/XX/2016 from Citi stating that I had been enrolled in their Credit Protection program. The fee for this " service '' was {$.00} per {$100.00} charged even if the balance was paid in full each month. I contacted Macys for which Citi was acting. They could not understand how any of this had happened because the card had been cancelled years before. When I contacted Citi they could not explain how it happened. I strongly suspect something along the lines of the XXXX scam. When I googled Citi I saw that they were forced to return XXXX to consumers over a year ago for the same practice I was subjected to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been on my credit for 5 years and to no avail I can not get a copy of my signed lease. I do not owe this money. I did live there but they can not provide me with a signature or any lease to validate if it is mine and the amount is correct. This collection is from XXXX 2012 to present for the amount of XXXX. I do not have an account number. They keep saying I owe this amount which is not correct. I need verification that this is indeed the right amount.
Product: Credit reporting or other personal consumer reports

my name is incorrectly reported, with my first and last names inverted. This error needs to be corrected immediately, as it may be contributing to reporting inaccuracies and potential misidentification.

Having gone through the removal of certain negative items from my history, this information continues to appear and negatively affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681, my privacy and medical records was shared with third parties.
Product: Checking or savings account

I purchased the XXXX bundle online for $ XXXX. I was not satisfied with the product and service. It took me an exhaustive amount of time to find any information regarding returns or refunds. What I found was that XXXX can not issue a refund when the product or service was purchased through a third-party app. I have checked my accounts- XXXX, XXXX XXXX XXXX and U.S. Bank . There is no record of the purchase except for on my U.S. Bank Debit card. I requested assistance from the U.S. Bank customer service representative, and she provided no help. She did not listen to the situation and she threatened me when I inquired about having U.S. Bank refute the charge to cancel the fraudulent subscription. The contract with XXXX states that I can cancel anytime within my trial period. That trial period has not ended, and I am legally allowed to cancel this subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar.

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage.

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately.

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, d/b/a XX/XX/XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and XXXX  out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to XX/XX/XXXX and Equifax and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to ( 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Account Name : XXXX XXXXXXXX Last XXXX account number : XXXX Account Name : XXXX  XXXX Last XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus.

Thank You
Product: Checking or savings account

I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX  AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS. 
I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX. 
WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF. 
I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX  FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.
Product: Credit reporting or other personal consumer reports

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXX XXXX  is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXXXXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Product: Debt collection

JPMCB AUTO has written off a debt that they claim is mine, if in fact this is my debt ( which is not ) why was I not sent a 1099C to claim on my taxes? The debt is showing as written off and needs to be removed from my credit report. Under FCRA law this inaccurate information about a debt such as reporting incorrectly reporting a charge off while claiming i owe a debt. Reporting to the IRS as a charge and still claiming this debt is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate 15 U.S. Code 1681b and 15 USC 1681a ( 1 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX has listed remarks on my credit reports that are not accurate. XXXX XXXX made a remark on my reports that the account with them was charged off for two consecutive months in 2024, those months are XXXX and XXXX. I requested a debt validation with XXXX XXXX but they did not provide me with any proof of late payments to charge off the account.
Product: Checking or savings account

On XX/XX/year> my husband checked our Wells Fargo bank account and noticed XXXX XXXX deposits in the amount of {$400.00} each. He also noticed that XXXX transactions were made at XXXX in XXXX XXXX, SC. The transactions were in the amount of {$1000.00}, {$1500.00}, and {$2000.00}. We contacted the bank and opened a fraud investigation and informed them that my husbands debit card was missing. Our account was immediately closed and a new account was opened. Wells Fargo investigated the fraud, but denied our claim and stated that the purchases were made by my husband and I. We assured them that this was incorrect. The Wells Fargo investigator XXXX worked on our case and she several clues pointing to fraud, but the XXXX Department at Wells Fargo ignored her. Also, the XXXX Department is responsible for alerting the customer of potential fraud is the same department that processes the fraud claims. My husband I believe that Wells Fargo did not protect our money, they did not notify us that our account was hacked, and there is a conflict of interest within the company. We also believe that Wells Fargo may have an inside customer theft problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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: Consumer Loan

I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.
Product: Mortgage

Back in XXXX we were contacted by XXXX XXXX XXXX  with hopes to lower out pmts and help us to catch up our loan with Wells Fargo. We were under the impression that this company was somehow connected to Wells Fargo, so when they told us to stop pmts in order for the process to work we did. We paid them over {$3000.00} to lower our pmts and get our loan up to date. We lost our home in XXXX of XXXX. XXXX XXXX XXXX has since gone out of business and has been sued & in court over things of this nature since then. We have not ever reviewed any reimbursement.