23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2023, I received a notification from my credit report that my loan balance had increased by {$480.00} with American Education Services ( AES ). I have reached out to them before because these unexpected fees just show up without any reasoning behind it. My payments are automatically withdrawn every month on the due date and hasn't been late in years. I truly believe these loans are set up so that you never truly pay them off. As of today, I have already paid over the amount that was initially borrowed years ago, with half being allocated to interest alone. I believe this is a sophisticated way to create fraud without anyone recognizing it. Any correspondence received is very simple with no true understanding of why my balance keeps increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a live human being i have the rights under 15 USC 1681. 

Equifax is govern by 15 usc 1681. and they have violated my rights too many times. I demand the accounts listed be low removed because according to 15 usc 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had set up payment threw paper in stead they sent it threw email.If u look at my history that was the only strike
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, LVNV Funding, LLC added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it is mine. According to FCRA, LVNV Funding, LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

This company called AFNI has been calling my phone and my husband 's phone several times per day and I have asked them verbally, via email, and with a cease and desist letter to stop contacting me via phone. They still continue to call my phone several times a day, 7 days per week. They are rude and unprofessional. This debt they are harassing me about was one that was done in my name by someone else and until I can get it legally settled, they are not getting anything. They are ignoring my cease and desist and I am fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a hard credit check because after accepting Chase 's preapproved offer in which no where in the application stated that they would perform a hard credit check, I realized they did. 

On XX/XX/2021, I spoke with a Chase credit reporting representative name XXXX. 
He informed me that, " all credit cards pull hard inquiries. '' I asked him to email me a pre approve offer that states the aforementioned. XXXX admitted that Chase 's offers does not state that they will perform a hard credit check, but it was implied. 

The reason for the dispute is I would not have taken the offer if there was a hard credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with Capital One is not public information and therefore should be restricted from being available to XXXX. 

Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of XXXX or more should be credited to I the consumer pursuant to the XXXX and XXXX form submitted on behalf of Capital One with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. 

Per Capital One terms and conditions they agreed to not share my information with non-affiliates of their business. XXXX is not a known affiliate of Capital One. 

Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.
Product: Student loan

Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.
Product: Checking or savings account

At the beginning of XXXX, I noted there was a charge for a full {$600.00}. I disputed it not long after since this is not my main bank account, and promptly filed a dispute. More than 10 business days passed, and I asked for a provisional credit since they were taking forever to solve. The dispute was promptly denied with no legitimate reason and seemed as though they denied it due to me asking for a provisional credit because not long after I sent the message, immediate denial and it wasn't even in the review stage. I had them reopen it almost immediately. It has been two months since the original dispute, no response other than " We are working on it '' and no provisional credit, which per guidelines is 10 business days after the dispute is opened. Still no response. 


Also, while the dispute was active. I received two notifications from Simple Bank that two transactions were attempted for the amount of {$17000.00}. I promptly froze my card and notified them. I also asked for the business that attempted the withdrawal and they would ignore the requests since it furthers their agenda of not giving me my money back. This proves my card was fraudulently used, and they are doing nothing to resolve it, nor giving me any information regarding the denied fraudulent transactions.
Product: Checking or savings account

In XXXX, I brought a copy of a check for XXXX XXXX cookies that had cleared the bank for {$550.00}. This check had been altered to make it payable to someone who had died months before, and the original amount was changed from {$50.00} to {$550.00}. 

As of today, the funds have not been returned to my account. 

Ive followed up with my bank about reversing the fraudulent check & was told the there is no time frame for resolution because the bank of first deposit is the liable party for the reimbursement, and they have an unlimited amount of time to respond to the request.
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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX 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: Debt collection

On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Bridgcrest credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.
Product: Mortgage

I  have two is sues that I would like explained to me by  Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of  XXXX   XXXX ,  XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files.   1 ) I would like an accounting for my wife 's estate on how in a modification done  XXXX  of  XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}.    2 )  With this same modification  XXXX  made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time  as Caliber  claims it was. Because it was mandatory at the time of the modification, I do not understand why on  her death this did not kick in. It was part of the package they purchased.
Product: Student loan

In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I changed my legal name in XX/XX/XXXX in the XXXX of Arizona, XXXX XXXX. I sent the court documents online as Experian requested in XXXX of XXXX. Then I called in late XXXX to ask if they would please merge my files because they had two files. They said they received the paperwork and apologized it had not been done. They told me to call back in two weeks. I did. They still had not merged the file. I spoke with XXXX, who told me she would escalate it to the data quality department. She gave me a case number and said to call back in two weeks. I called back, but for the next week and a half, their phone lines were down. Finally, a month later, I was able to connect with them again. I spoke with XXXX, who found the file was still not merged then the call was dropped. ( When I call the initial person to answer the phone, tell me they don't care, and it's not their job to merge files, I just need to get over it. They constantly argue non-stop and drop my call instead of getting me a manager. XXXX, I think because he kept mumbling, his name would not give me to a supervisor because was concerned I would complain about him. Truly the worst service I have ever had at any company EVER. ) Then I called back the next week after XXXX dropped my call. I was told they would merge the file and to call in a week. I called in a week, it is now XXXX ... .I got XXXX XXXX who said by this XXXX, the XXXX of XXXX, the files would be merged. She hinted that they would only do part of my old file, not the whole thing, because they didn't need to do anything past seven years. I disagree with this. She would call me if she had any progress otherwise, wait and call back. This whole situation is stopping me from being able to buy a house or get a credit card because companies can not verify me. I need my files to be merged. I have the same date of birth, same social, same previous address, and banks. They have the court paperwork and will not do their job. The case number is case number XXXX. Please help
Product: Mortgage

CFPB CLAIM # XXXX WELLS FARGO CASE # XXXX *THIS CLAIM IS AGAINST WELLS FARGO. '' Wrongful Foreclosures, and incorrect fees and interest charges. " * I received a letter dated XX/XX/XXXX, from Wells Fargo, Representative XXXX XXXX XXXX, [ attached ] explaining that she has tried to contact me via my mobile ( XXXX ) XXXX [ this phone was hacked, and disconnected ]. Since then, I left her a phone message ( s ) and explained that my email address is correct [ attached ] as shown as a method of contact. 
I asked her to send me an email addressing her questions, but she has not. She will use this as an excuse that she couldn't contact me and respond to CFPB and close my complaint due to incorrect contact information. 
With my experience with Wells Fargo since XXXX, I have been lied to, and misled by their fraudulent actions which have been proven in court that they are convicted of felonies. I have no confidence or trust in Wells Fargo, rightfully so, based on their recent conviction for stealing and cheating customers out of billions of dollars. 
Further, if she is an attorney, it is against ethical conduct not to divulge what she is. Allowing me to have an attorney during ANY verbal communications, period.
Product: Credit reporting or other personal consumer reports

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof. I kindly request that you block and remove this information within four business days, pursuant to section 605C Fair Credit Reporting Act. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach, resulting in fraudulent accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these unauthorized entries. 
Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$150.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1100.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C.

1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within XXXX business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX Accounts in XXXX : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Unit XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Unauthorized XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.
Product: Debt collection

Under Note XXXX, XXXX XXXX " Vice President '' executed a signature representing Rushmore Loan Services , LLC, its appointed attorney-in-fact recorded on my mortgage deed on property:XXXX XXXX XXXX , XXXX , PA XXXX. 

Without recourse, XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as trustee for the RMAC Trust, Series XXXX, by Rushmore Loan Management Services, LLC. 

XXXX XXXX deliberately misrepresented his employment and affiliation by executing a recorded document for XXXX XXXX XXXX XXXX & Rushmore Loan Services, LLC. Both companies accepting this transaction to take place without any regard to the law. 

After thorough discovery, XXXX XXXX is affiliated with XXXX XXXX both parties affiliated with XXXX XXXX XXXX XXXX XXXX XXXX : Executive Director - XXXX XXXX XXXX Name : XXXX XXXX XXXX Dates Employed : XX/XX/2008 Present Employment Duration:9 yrs 10 mos Location : XXXX/XXXX XXXX Area Please note : I have all verifiable documents in a secure area as proof of my complaint. In addition, on this recorded executed document the loan number is sanitized in black ( unverifiable ).
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 confidentially under 15 USC1681. 

Account name : XXXX Acct : XXXX, XXXX XXXX XXXX Acct : XXXX, XXXX Acct : XXXX Hard Inquires : XXXX XXXX, XXXX XXXX and XXXX XXXX I am writing to dispute an inquiry, from Trans Union on XX/XX/year>, as inaccurate as I did not authorize it. According to the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within XXXX days. 

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim. 

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

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

I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 2014.