23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please see attached motion before the XXXX XXXX XXXX. Paragraph XXXX is my complaint to you as well. I previously asked for an investigation into a complaint I filed about the illegal devaluation of my property, which forced me into foreclosure in the first place. It may be still under investigation. 

Now I am on the other end of a property devaluation candle that burns at both ends. The sale of my property, through the on line system, by the bank, which as you will see by the explanation in the motion, resulted in a value XXXX percent below its worth. It was accomplished by the bank itself, with the publishing of a very low value they would pay for the property, only {$170000.00}. The amount is {$100000.00} less that it was purchased for in 2001. The bank 's actions effectuated the low sales price on my unit. If the sale is not reset, then I will be subject to a {$150000.00} deficiency judgment at the age of XXXX. The amount bid has nothing to do with the price my unit could sell for in an open competitive market, and because the sale was to a third party, the county has told me they will count it which will devalue every property in the building, an injustice for many including the MBS owners.. 

You will see I have quoted an attorney who had the sale of his client 's property cancelled with his argument that the online system is not fair. Why are the banks allowed to participate and aid and abet an system of sale that desecrate everyone 's property value and cause deficiency judgments in this manner. Please do something about it. This can not be excused by a ruling that it is internal between the servicing bank and XXXX XXXX. Both the servicer and XXXX XXXX have obligations under federal law to protect the consumer 's loan value, both the borrower 's and the XXXX investor 's. They are legally obligated to do so by my mortgage contract. Please intervene and make the bank join me in contesting this sale, and have them then be the purchaser which takes the unit back appraises it and puts in back on a open competitive market. That is the way it has always worked and because of this the values never went down, only stagnated during recessionary times. 

May I point out that during the foreclosure crisis it was hedge funds buying up these properties at pennies of the dollar, hedge funds which had banks as their major clients, banks whose actions made the values go down with low bids on the on line system, and then they hugely profited buying them up. 

You will see I say the banks use of the online system violates my contract because my contract required adherence to RESPA provisions. RESPA provision require adherence to federal law and regulations which govern federally realted mortages, and the fdICs regulations say that a federally related mortage to sell, especially when it is over {$25000.00}. must be appraised by a certified appraiser and put on the market for a reasonable time. 
Finally may I complain that the bank knows I am appealing to the Supreme Court and therefore never should have requested the scheduling of the sale in the first place.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & 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
Product: Bank account or service

My bank account had been appropriately set up to not incur a monthly fee on XXXX XXXX, 2016. Furthermore, at that same time I became aware that I was due a refund for prior years of monthly maintenance fees. US Bank sent me a response letter dated XXXX XXXX, 2016 with a pamphlet showing and supporting that I should not be charged a monthly fee. However, contrary to the advertising materials, and the accuracy of my account as of XXXX XXXX, 2016 ( rightfully placed into the XXXX Checking with no fee due to additional requirements met ), US Bank, on their own accord, switched my account back to a fee charging account. This action by US Bank is not supportive of their advertising materials, and is taking their own actions that are more advantageous to the bank and not in accordance with their written materials.
Product: Student loan

My loans are with Navient. On XX/XX/XXXX I re-certified my XXXX application. I did not get a response until roughly XX/XX/XXXX. The response indicated that they were attempting to certify the application, but it has yet to be processed fully. At that time, I became somewhat suspicious that Navient was not handling my application properly. On XXXX XXXX I got a letter stating that my loan was being prepared to be fully designated for repayment. At that point I contacted Student Loans. gov. and my States ' Higher Education Department. I was then advised to speak with a Navient Student Loans manager directly. I did so on XX/XX/XXXX, and explained my issue and was told that they would review my complaint forthwith. In XX/XX/XXXX I received a letter indicating that my loan was about to be put in default and also reported to the credit bureaus. Shortly after I received an electronic letter from said manager with her decision in the matter. The electronic letter was encrypted, and I was not able to open it. I then contacted XXXX again to ask for this complainant to be escalated to the ombudsman. Still to this date I've not heard for ombudsman. In the meanwhile, I started getting collection calls from Navient. In XX/XX/XXXX I was contacted by Navient collection representee who informed me that my original application for XXXX was denied because I indicated that my income would change in the upcoming year XXXX. I disputed this and asked for documentation showing when/where this statement was made. The representative said she didn't have this information available, and she would investigate but in the interim I need to make my account 'current ' through temporary forbearance and then re-submission of IDR application. I asked why do I have to re-submit if you going to investigate? She stated that the investigation takes time and I need you to make the account current immediately through forbearance. Since this discussion I've become very suspicious that Navient dismissed my original application to reap more interest and steer me into un-necessary forbearances. The reason for my suspicion is validated by my discovery through SLG of my original application that made no mention of so - called " expectation of future year additional income. '' Furthermore. I've witnessed this tactic with Navient before and it now seems to be a pattern when applying for XXXX. Thank you for your consideration and please advise.
Product: Mortgage

We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!
Product: Credit reporting

When I moved to XXXX XX/XX/2011 I lived for tree months in XXXX with friends after that I moved to XXXX but after the I start receiving call from a collection agency asking me to pay my bill to XXXX XXXX I told them i do n't have account with no body I still new in the XXXX I never have a Appartement under my name yet but they put it in my credit and now when I Learned a little about credit I dispute it but the credit bureaux they keep report it, I ca n't pay a bill not mine please make investigation I need help because this is what 's happened
Product: Credit card or prepaid card

I have a couple of fraudulent credit cards that Ive told XXXX, XXXX and XXXX XXXX to dispute but they disregarded me wish dealing with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX alerted me of a score decrease. Equifax was sent a Police report on XXXX by fax at ( XXXX ) regarding an account that has been reporting on my credit file for some time. Equifax Information Services LLC. has refused to remove the account even with the supplied information from XXXX Police Department. The investigation was completed on XXXX, with no results provided. Equifax Information Services LLC has violated the FCRA 15 1681, by reporting an account that is not 100 percent accurate. Attached is the credit report, as well as the dispute letter and police report that was supplied.
Product: Checking or savings account

My name is XXXX XXXX And I have a debit card with a company called Current debit card and money was send from me to another person that I never sent at all. The Current debit card holder is saying that they havent found any errors in the transaction but later told me that someone else was logged into my account on XXXX XX/XX/2022 and I never sent {$4200.00} to anyone that I dont know. I really need my money back and I feel like Current debit card is responsible for what happened to my money because this is supposed to be a debit card that protect us from fraudulent transaction please give me a call at XXXX because I need help with getting my money back that owe to me please. I will also send pictures from my email where another device was logged into my account as well. I have an XXXX XXXX and have the app on my phone to where I can see all my transaction so there is no way another device should have been logged into my account I will send photos where the other device was logged into my account
Product: Credit card or prepaid card

I have an Indigo credit card by Genesis FS. Ive had the card for one year. The minimum payment has been {$40.00} every month. I have not used the card since XXXX. They added a {$99.00} annual service fee in XXXX. The limit is {$300.00}. The balance is now {$360.00} bc of their fee. The minimum payment went from {$40.00} to {$100.00}. The people in XXXX are telling me I overdrafted the card bc its over but its their fee. The minimum should still be {$40.00}. It should not skyrocket to {$100.00} because of their annual fee. I asked the guy in XXXX if I just pay {$68.00} to get the card under the limit will that work but I dont want my credit report being hit with a late. HE DIDNT KNOW WHAT A CREDIT REPORT WAS. This is absurd. How is that possible? This is predatory. They shouldnt be able to do this to people with bad credit, who are their clients. Im trying to rebuild my credit. They shouldnt be allowed to do that and they should have people working for them with basics knowledge of how credit reporting works. Ive attached my balance statement. The payment history of {$40.00} a month and the {$99.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rised a dispute to XXXX credit report company to make a correction in my credit report on XXXX company reply me on XXXX We had received your email with all the necessary information and raised it with the financial instituition. We are awaiting the response from the bank for us to resolve the same at our end.The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial instituition. so far problem not resolved.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX OF XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXX XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used PayPal to make purchase an item online. I used my credit card on file, which for an unknown reason did not work. Instead of PayPal canceling the order, or sending me an email stating the transaction did not process, they immediately used a different card on file that did not have the funds. They caused my XXXX XXXX account to become compromised, overdraft fees, & a negative balance. I never authorized PayPal to use my XXXX XXXX account. I processed a cancellation & they did reverse the transaction, however, still, I never authorized PayPal to use this card. Thats poor business practice. Any other company would cancel the order or inform you the card was declined, not use a different card without consent.
Product: Checking or savings account

On XX/XX/14, my checking account shows payment was taken from my balance and issued to XXXX XXXX credit card. However the payment never made it to XXXX XXXX. In contacting XXXX XXXX first, they stated the Prosperity Bank rejected their request for payment, stating account not located ; however Prosperity Bank still debit my account for the {$1300.00}. I need someone to research what happened to my money that they said was sent over but the recipient never received. Im out this amount and speaking to a branch manager in XXXX, XXXX. She said there wasnt anything they can do. 

My checking # is XXXX. My checking account has been closed recently but this payment that posted to my account in error was made prior to the closure. Im providing the account number because Prosperity Bank can not find me in their system by ssn or name. Their system is messed up and may be the reason for this accounting error
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 or other personal consumer reports

My name is XXXX XXXX. I called Nelnet on XX/XX/year>, on or around XXXX pm XXXX. I spoke to a female representative named XXXX from XXXX. The last name of her supervisor is XXXX. She refused to provide her supervisor 's first name. I asked to speak to her supervisor, however, she said they were unavailable. I asked for a call back from a supervisor and she refused saying I would have to call back another day. Nelnet is a data furnisher under federal law. Nelnet is reporting inaccurate information on my credit reports with the nationwide consumer reporting agencies. XXXX is correctly reporting my federal student loans as " open '', however, XXXX and XXXX are inaccurately reporting my loan status as " closed. '' This is false and misleading. My loans are, in fact, open and paid on time as agreed. XXXX said my only option is to file a dispute with the credit bureaus. This is also false and misleading. In addition to filing disputes with the credit bureaus ( under the FCRA ), consumers have a federal and state right to dispute directly with the the data furnisher must then place the account ( s ) in a dispute status and have up to 30 days to conduct a reinvestigation. Unfortunately, XXXX refused and again stated my only option is to file a dispute with the credit bureaus. Nelnet refused to allow me to file a dispute directly with them. This is a violation of certain federal and state consumer laws. If Nelnet does not conduct a reasonable reinvestigation, I will retain an attorney and file a legal action against Nelnet. I seek to hold Nelnets directors and officers accountable. XXXX did a great job at customer service and had equanimity and it is Nelnet that has failed to train its employees adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my report the wrong way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX, XXXX XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my report a few months back and seen there were some things on my report thats not supposed to be there. I am demanding that they be removed from my credit report with all credit bureaus. 

LVNV FUNDING LLC, 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

I sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

Experian Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX