23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In 2008, I went online and saw an advertisement for a loan for students that provided extra money that could be used for anything I 'd like. I applied and got the loan and proceeds. years later I was forced to file for bankruptcy, however this loan company continued to harass me for paying them. They even harassed my father and I 'm Not sure how he got into the mix. They are now saying this loan was not discharged in my bankruptcy because it is an education loan certified by a school. This is false. I was not even attending a school at the time I applied and received the loan. I really need some assistance in getting this resolved, at this point the balance is nearly $ 20k more than the original amount borrowed and the monthly payment is over {$400.00} per month. But most importantly I believe they are attempting to collect based on it being an " education loan '' which it does not meet the criteria for.
Product: Mortgage

my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX 
Not XXXXXXXX, closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... 
Not XXXX, Closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX, {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.
Product: Money transfer, virtual currency, or money service

continuously for the last 6 weeks ive been having issues with usbank disabling my online accounts so i can not get into any of them including my checking savings business accounts and credit cards so i can pay my bills on time and not be late. they are distroying my credit by making me be late on my payments by locking me out of my online banking and then taking away my limit on my XXXXcc card i had a limit of {$8300.00} and now they took it down to {$2200.00} because of these problems even though i find a way around it but very disturbed them locking me out of all my accounts to pay bills and charging late fees when they lock me out so i cant pay bills and then cutting my credit card limit down to 1/4 of what i had for a limit. i very angry about this and need something done about this??? they cut me out of my cash rewards for XXXX XXXX XXXX as well on that same credit card saying i didnt sign up for it when i always sign up a whole month before always. and i have proof in writing that i did sign up cause i saved it on my computer.
Product: Debt collection

This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. 

I am a one income XXXX supporting XXXX kids, XXXX of which has started XXXX  and they refuse to decrease the amount being attached. 

I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. 

I'm in the state of CAlifornia and I don't believe this credit agency XXXX XXXX has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX CAlifornia. 

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

I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. 

The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. 
Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. 
I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. 
When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. 
They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.
Product: Debt collection

I sent a certified letter to Enhanced Recovery XXXX XXXX XXXX XXXX Fl XXXX on XXXX XXXX. The letter is requesting written validation of this debt they say I owe. I have received no written communication from the company. I have received several harassing phone calls from this company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving us vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 ======================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I am being harassed by a debt collection company under the name of NAS Group, in regards to an old debt from over seven years ago, that was previously resolved via CRA dispute. The original company was XXXX XXXX XXXX, which the debt was bought by more than one collection agencies most recently XXXX XXXX. 

I am receiving around 20 calls per day from NAS on my landline and mobile phone. 

A man with the name XXXX XXXX has left intimidating calls with my senior mother and even after business hours at XXXX. Most recently he threatened to file a lawsuit against me and to garnish my wages and tax returns. 

I would like for this company NAS who utilizes false business names and phone numbers to stop harassing and intimidating me
Product: Debt collection

Subject : Discrepancy in Reporting of XXXX XXXX Account - Account Number : XXXX Experian 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 Dear Sir/Madam, I am writing to bring to your attention a discrepancy in the reporting of my account with XXXX XXXX, which is adversely affecting my credit report. The account in question has the following details : Account Number : XXXX Date Opened : XX/XX/XXXX It has come to my attention that the information being reported by your respective agencies regarding this account is inaccurate. Specifically, the account should be reporting as " paid in full, '' but this is not reflected in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning! 
I am a client of Freedom Debt Relief. I am reaching out to you because yesterday I happened to find out you filed suit against them XX/XX/XXXX. My contract with them started 5 months later. I am reaching out to you because I am experiencing the same issues that are described in your litigation documentation. I signed a contract with Freedom Debt Relief XX/XX/XXXX. Please see the attached documentation. My contract included 3 creditors, total debt {$15000.00}, with a monthly program payment of {$260.00} per month for 4 years. My contract states this will not affect my credit profile. A year and a half later, my credit score has dropped 200 points. From XXXX to XXXX. I was never late with my payments for my credit cards ( or any other bills for that matter ). I was just told that I could pay off these 3 credit cards a lot faster if I enrolled with Freedom Debt Relief. All of my payments have been on time, being automatically taken from my bank account every month. They didn't start negotiating anything until several months later when the first creditor stated they were suing me. I was told that all 3 creditors would be negotiated with at the same time and that's how my payment and the length of my contract would be determined. A year and a half later, Freedom Debt Relief had not even negotiated with the second creditor. They did nothing until I recently received documentation from my credit card company that they were suing me. So now FDR is telling me my payment will be an additional {$290.00} per month. Totalling {$560.00}! The third and last creditor has not even been contacted by FDR. When I complain to the attorney from FDR 's partner XXXX XXXX XXXX XXXX, XXXX XXXX, he says he has had multiple complaints about how FDR is treating their clients and I would need to contact them. When I contact FDR, they say to contact XXXX! I am in a desperate situation. They want me to contact them by today if I agree to pay the extra {$290.00}
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency XXXX block and remove 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 a few Personal credit card accounts. 
Account name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute for incorrect information showing negative and nothing resolved information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act convergent XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 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
Product: Debt collection

XX/XX/year> File number : XXXX Subject : Cease and Desist Notification Dear XXXX XXXX XXXX, XXXX and LVNV Funding LLC I am writing to formally demand that you immediately cease and desist from using my intellectual property without permission " harassing me through email and Mail, '' " distributing false information about me on my credit report that is not mine.

Your actions are unlawful and have caused me bad reflection of a credit score and my credit report which has caused me damage to my reputation to other companies in providing me loans and credit, and I believe you are violating 15 USC 1692 CC. If you do not immediately cease and desist from these actions, I will be forced to take further legal action, which may include filing a lawsuit or seeking a restraining order. 

Please confirm in writing by XX/XX/year> that you have complied with this request. 

This letter is not a complete statement of my legal rights, and I reserve the right to take any and all necessary actions to protect those rights. 

Sincerely, complained
Product: Mortgage

I took the COVID XXXX forbearance for 9 months between XX/XX/XXXX and XX/XX/XXXX after losing a job due to the start of COVID restrictions in XXXX. I started a new job in XXXX of XXXX and was ready to work on the loss mitigation/modification plan for my mortgage after this time. Initially, no one would even talk about how to get the account current until XXXX year had passed from the forbearance date. Then I was asked to fill out a loss mitigation application in XXXX of XXXX to see what loan modification options were available to me. 

The loss mitigation process has been near impossible, and no end is in sight yet. This request has been going on for 5 months now, and probably a dozen or more different requests with new items requested each time. Things like bank statements, proof of hardship, explanations of deposits, tax returns, budget numbers- this list goes on and on. I send in the information requested each time, but it is definitely wearing on me and they know more about me financially than I even did at this point. 

I can not get past this process, and they say it needs to be 100 % complete to be given options to fix the account. It almost seems like harassment at this point. I continue to fill out paperwork and send things in, probably at least once a week. Then they come back with new generic documents with additional items required I have to procure. 

At the same time, the collections department is calling and threatening foreclosure on the home, even though I am working through the loss mitigation process. It is not my fault that they keep requiring additional information, and have pushed this process so long. The collections department and loss mitigation department are not connected for some reason either, so when I ask if they can reference prior discussions, they don't have that information. 

I am just trying to get some type of loan modification option so I can get my account current, whether that be the option to tag the payments to the end of the loan ( my preference ) or something else. I CAN NOT get to this point because their loss mitigation application process is a mess. And I fear they are going to try and foreclose because of how long this process is taking ( as stated earlier, over 5 months of back and forth at this point ). I am making my monthly payments now for a while, but they want to collect now on the 9 months of forbearance and I just don't have that kind of money available all at once. I thought there were rights offered to people in my situation with the CARES Act, but each time I bring that up I am ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and Ally bank reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Product: Debt collection

I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is  attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.
Product: Credit card or prepaid card

I was not aware at the time I took this credit card out that it had an annual fee. 
I used this card one time with a {XXXX charge then get statement showing the annual XXXX} fee plus my {$15.00} fee I called them told them I was cancelling the card an I would pay XXXX which I did but I refused to pay the outrageous annual charge an fees that are now up to XXXX  so now some other place has bought out their debt collection. 

I still refuse to pay these outrageous fees an charges they have applied, None of my other cards carry an annual fee this has been crazy to chg this much