23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2021 I wrote Great Lakes about the student loans that are on my credit report. The letter was regarding account # XXXX, which you claim that I owe {$74.00}, XXXXCOMES NOW, XXXX XXXX XXXX XXXX, herein after Affiant. Affiant is competent with sound mind to state to the matters included in this Affidavit and has first hand knowledge of the facts, and hereby declares to the best of Affiants knowledge and belief that the statements made in this affidavit are true, correct, complete, not meant to mislead and tendered in accordance with the Maxim of Law that provides that Truth is expressed in the form of an affidavit. An unrebutted affidavit is presumed to be true. Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each point, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and judgment against in this action and demand to dismiss with prejudice nunc pro tunc. 
FACTS 2 It is a fact, the Affiant is a natural consumer identified is 15. U.S.C 1692a ( 3 ) 3 It is a fact, the GREAT LAKES is a debt collector pursuant to 15 U.S.C 1692 ( a ) 6 and 15 U.S.C 1692j ( b ).

4 It is a fact, the Affiant is the creditor pursuant to 15 U.S.C 1692a ( 4 ) 5 It is fact, GREAT LAKES has violated several federal laws listed under the Fair Debt Collections Practices Act and Truth In Lending Act 6 It is a fact, verification for alleged account # 03-5080452 has not been satisfied pursuant to 15 U.S.C 1692g ( 4 ) ( 5 ).

7 It is fact, the Affiant is entitled to monetary relief pursuant to 15 U.S.C 1692k if settlement is not reached by consumers desires. 
Your failure to rebut the claims made herein point by point with federal law shall constitute your tactic agreement that the claims are true and your acknowledgment that we agree on all points and we further agree that respondents agree not to interfere with Affiants privacy in the future. You have 3 days pursuant to Regulation Z of the Truth and Lending Act to rebut this Affidavit of Facts with a sworn affidavit of facts not hearsay nor information or belief under penalties of perjury. If this affidavit is not rebutted by XXXX XXXX. Silence is acquiescence. This will be become public record attached with an invoice with damages for non-compliance under 15 U.S.C 1692k. 
On XX/XX/2021 I received a letter stating that the forgery claim as denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. Experian is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. Experian reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX  must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that Experian correct the file and send a corrected copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter
Product: Debt collection

ENHANCED RECOVERY COMPANANY HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE
Product: Mortgage

I contacted the customer service department to request an updated escrow analysls be completed as I would like my monthly payment to be below {$950.00}. I have an escrow shortage, but with the interest on escrow that was just deposited, this partial escrow shortage payment will allow the payment to be below {$950.00} if reanalyzed. 

I was advised that I couldn't request this on the phone and that due to guidelines, it had to be a written request sent to them with signature and reason and that they can deny my request if they want to. I would like to know where in the RESPA guidelines it states that the request for an escrow analysis must be sent in in writing? No other mortgage company does this. 

This bank is one of the worst that I have ever had to deal with. It took them almost a year for me to be able to see my account online. I still cant make a monthly mortgage payment on their website, when calling in to make a payment, they opt to read a disclosure the size of a small novella ( I have never seen this with any other bank ), and now just a simple request to ask that my loan be re-analyzed requires me to spend my precious time to write a letter and send it to them! I am really disappointed and would like their upper management to be aware of this board complaint as it didn't have to happen.
Product: Consumer Loan

I have a account with American First Financial and due to a natural disaster ( Flood ) in XX/XX/2016 and circumstances beyond my control my account became behind in payments. I sent the company a agreement and check stating in exchange for payment in full they will agree to remove the account from my XXXX credit report. On the check I wrote in cashing this check you agree to remove from XXXX credit report. American First cashed the check but did not uphold the agreement and remove the account from my XXXX credit report. The company did not return the check or notify me that they would not accept the agreement. FCRA does not demand all accounts be reported therefore a company does have discretions and permission to remove any account it chooses on a credit report. I sent agreement letter and check and American First did not uphold the agreement or notify me prior to cashing the check that they would not honor the agreement. In cashing the check they accepted the terms of the agreement.
Product: Checking or savings account

On XXXX/XXXX/XXXX I reserved a car through XXXX for $ XXXX for XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for total amount {$870.00} with my debit card. It was clearly stated that if a vehicle was reserved without a credit card, a {$500.00} deposit would be charged and a full refund upon return of the car upon inspection. I only agreed to this term as I do not have any credit cards, with full expectation that my {$500.00} would be credited back to my checking account. I even inquired at the National rental location prior to receiving the vehicle, and I was assured of this and that the process would be 24-72 hours depending on my bank. I once again inquired of the policy upon return of the vehicle, and was again informed that was standard policy. The monies were never refunded into my account and called XXXX XXXX/XXXX/XXXX and the representative stated that it may take up to 5 to 10 days and was instructed to follow back then. I made another attempt to speak with XXXX and the representative stated that there was no policy that she was aware of and that the full amount of {$1400.00} at $ XXXX is what was agreed upon. I informed the representative that I could supply proof of a screen shot in the amount that I reserved the car for. The representative then agreed to do a three-way call with XXXX to further investigate my claims. I have case numbers for all the complaints to research this matter, with no resolution. This is fraudulent, and to add insult to injury, XXXX had a pending additional unauthorized charge of {$69.00} that I disputed and they could not account for. I had to contact my bank and the amount was refunded through my bank after being inconvienced and had to be reissued another debit card.
Product: Checking or savings account

I was lured to open a checking account with US bank in XXXX with promise of XXXX dollars by meeting requirements per a mail solicitation advertisement. I did open the account, met the requirements, and met with a young man who said he was the assistant manager of their branch on XXXX XXXX in XXXX MO who assisted me in gathering all information to meet the promotion criteria. The account at time was US bank cash + and account under my last Name at time was XXXX, account number XXXX. My address was XXXX XXXX XXXX, XXXX  MO at the time I opened the account. I no longer have the account but it was open over 3 years. They never gave me the promotional XXXX dollars for opening the account and meeting requirements in the allotted time. I asked them about it several times and they kept asking me to provide them with the advertisement that promised the money but I never saved it and finally just gave up but have always been mad and upset that they never held up to their promise of payment after I met requirements and repeatedly asked for the bonus only to be shut down with requests for proof of the original advertisement. I now see theres been others affected by these tactics and I still feel they owe me the XXXX bonus for opening the account. At the time I was going through a divorce and I found any way to make extra income at the time was worth trying for. I deeply have issues with banking institutions practices as a result of this. I would like the money they promised me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on multiple occasions and notified them that the bankruptcy that they are reporting is not mine ( it has been deleted by XXXX already ) and they continue to report it which is an FCRA violation and is damaging my credit report. I demand that they remove it immediately before I sue.
Product: Credit reporting or other personal consumer reports

Due to being 100 % permanent and total XXXX  PER XXXX XXXX my XXXX XXXX  student loan was discharged. This took place XX/XX/year>2024. I got a letter from XXXX XXXX  Asset recovery stating my loan was transferred to them. When I called, I spoke to XXXX XXXX, and he stated the loan was sent to credit bureau as a collection. I told him I made every payment on time. He then called XXXX ( XXXX XXXX XXXX ) while I was on the phone, and they gave him a good payment history. He realized that I'm a XXXX veteran and discovered it was coded wrong. He escalated up to a district XXXX  named XXXX and she investigated and discovered that all this was a mistake. 4 days later she got back with me stating the loan was forgiven due to my declining health state.
Product: Debt collection

LVNV FUNDING illegally Re-aged debt and implemented a false Date- of- Orignal- Delinquency.
Product: Checking or savings account

I nformed PNC bank that my late uncle designated me as a beneficiary for a certificate of deposit account with XXXX XXXX XXXX. The CD Account Agreement is dated XX/XX/year> and has my name on it along with my full name and social security number and has me listed as a Pay-On-Death ( POD ) beneficiary and is referenced as Single-Party Account with Pay-On-Death ( POD ). My late uncle electronic signature is at the bottom of this Account Agreement. My late uncle 's physical house address along with his email address, social security number, driver license number, birth date and his employment status is on this account agreement Owner/Signer Information section . I learned that XXXX XXXX XXXX  was acquired by PNC and the Pay-On-Death CD rolled over to PNC with a converted or tranlated CD account number that I have. 

On XXXX, I informed PNC Bank, through a phone and fax, that I was a Payable ON Death ( P.O.D. ) beneficary and that my love one had passed identifying me as a beneficiary and for PNC bank to release the Pay Out Claim for the CD to me. PNC confirmed that the converted CD money and that the CD amount from XXXX XXXX XXXX  had been deposited into the respective PNC CD account. PNC bank said that they would be back in contacted with me about the process of releasing the P.O.D. funds to me. I gave PNC a follow up call back to the PNC staff person I spoke with and left several messages but he never returned my call. When I called customer service back and inquired again about the process to obtain the CD Payout PNC told me that the CDs don't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In both cases, I did not consent and was never allowed to opt-out.
Product: Debt collection

On XX/XX/2020 I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNT ( S ) THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT AND IT'S PREVENTING ME FROM RECEIVING CREDIT ; I also Noticed fraudulent Inquires that I did not Authorize or consent to be on my consumer credit report. On XXXX XXXX I sent an 1 ) identity theft report ; 2 ) Copy of my ID ( proof of identity ) 3 ) copy of my consumer ( credit report ) ; and a 4 ) Copy of the Fair Credit Reporting act 605 B.

I also called equifax letting them know that In order for them to report something on my consumer report that they need my written consent which they did not have for none of the accounts or inquires on my consumer report pursuant to 15 usc 1681b ( a ) ( 2 ) ; I also informed them that they could not report anything factual between me and what all of those alleged creditors are saying what happened pursuant to 15 usc 1681a ( 2 ) ( A ) ( i ) ; and excluded from a credit report should be any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. After Putting Equifax on notice the accounts are still on there making them civilly liable for willful noncompliance pursuant to 15 usc 1681n and conspiring to be apart of this identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. Please see identity theft report attached. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : 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  Please have these unapproved inquiries removed from my credit report. Please update me via email with a full report on your findings within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report via email once this issue is resolved.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : Acceptance Now Account # XXXX, Account name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through WEST LAKE FINANCIAL SERVICES, that was not reported on the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting Service reported a new collection on my credit report opened XX/XX/XXXX by XXXX XXXX  at XXXX, address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for a debt of {$730.00} that showed past due as of XX/XX/XXXX from the original creditor : XXXX XXXX XXXX XXXX, XXXX, LA XXXX due to this report Experian lowered my FICA score XXXX points. I disputed the report to Experian and they said it would remain on my report until XX/XX/XXXX. I then reported it to their Fraud section where they took my report and suggestion I submit a report to your agency. I called the XXXX number listed above for XXXX XXXX and they said they have no record of me. I tried to contact XXXX XXXX XXXX XXXX and can find no phone number on them. I googled both companies and found numerous complaints on both for fraud, some of which where the same complaints I have. I have never received a bill or call about this debt and haven't been anywhere within a XXXX miles of Louisiana in XXXX  years. I am XXXX XXXX XXXX and a XXXX  year veteran of the XXXX. I believe this is a scam by either XXXX XXXX or Experian who have been trying to get me to pay {$29.00} a month to upgrade my monitoring membership to Experian XXXX for about XXXX years now. I am very careful to protect my good name and pay all my bills in a timely manner. These false reports keep me awake at night trying to figure out what is going on. Any assistance you can give me will be greartly appreciated.
Product: Credit reporting or other personal consumer reports

I purchased a home using XXXX XXXX XXXX XXXX, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day 28 they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was 12-hour difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to Freedom Mortage Group during this time, and they charged property preservation fees, property inspection fees, Corporate Advance fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a 1099-C saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and Freedom Mortage, were well aware of my active status by me informing them with my orders to XXXX XXXX status.