23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting twice on my Equifax Credit report. I have disputed it several times and it keeps coming back as accurate. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found out that my identity was stolen and attempts to open financial accounts using my information were denied. It happened again on XX/XX/XXXX. On XX/XX/XXXX, I found out my information was included in the Equifax breach of XXXX. I was never notified of this. I requested identity protection assistance and was denied. I am filing this complaint because Equifax did not notify me of this breach in accordance with the class action lawsuit and now I have to pay for identity protection that will not be reimbursed.
Product: Credit reporting or other personal consumer reports

There are multiple inquires on my credit reports that occurred on the same day or within days of each other that I did not authorize, nor do I have active accounts with that I would like removed from my credit profile. 

Flagship Credit XXXX XXXXXX/XX/year>
Product: Checking or savings account

My bank debit card was stolen last night. I contacted my bank and they told me that over {$500.00} was taken out through cash app. Thats all my bank could see. I contacted Cash App and they told me that, since there is no transactions of it in my account, that XXXX XXXX stole my debit card and hooked it up to their own Cash App account. I asked why didnt it flag the name being different? Why didnt it ask them to verify the ATM pin linked to my car. Even the gas station verifies pins at the tank. Over {$300.00} stolen in my state is a felony. So these people committed a felony and currently has my debit card. And they wont even tell me who currently has MY debit card linked to their account so I can tell the police. I asked to speak to a supervisor because this is about illegal activity and doesnt follow their usual standards, and they told me that no manager was available. So I told them I would continue to wait on hold until one is available to talk to. And she said that is not an option that they will email me. I asked for a time estimate as this is important to me. She said there is no time estimate. It could be somebody I know stealing money from me, they could be putting me in a dangerous situation withholding this information about a literal felon, that probably is an experienced scammer, and knows that cash app doesnt help with fraud much at all so he or she probably knows to steal cards and hook them up to their own account and its still doing it out here today because they havent been caught because of cash app. They dont even care enough about their customers to even make them verify what card is being put on to their account.
Product: Checking or savings account

Was contacted previously by this company claiming they would come to my job and arrest me if I didnt answer. Fast forward few days later and I receive a charge on my debit card for {$210.00} charged by a company that doesnt even exist after looking them up. I received an email of the charge amount and that they want to put installments on to my card for over {$100.00} a month. I closed my debit card and put a fraud alert on my credit reports because their voicemail revealed that they had my social security and debit card info. I filed this dispute with my bank and they have done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Product: Credit reporting or other personal consumer reports

Equifax did not remove bankruptcy that doesnt belong to me.
Product: Debt collection

Complaint about XXXX XXXX XXXX XXXX. 



This complaint against new residential is a complaint about Mortgage back securities fraud. 

XXXX XXXX XXXX XXXX is publicly traded on the XXXX  XXXX  XXXX  XXXX  under the ticker NRZ. 

On XX/XX/XXXX I received a letter stating and ownership change. It stated ownership was transferred to an NRZ pass through XXXX  XXXX  c/o XXXX, and not in its individual capacity but solely as trustee of NRZ pass-through XXXX  XXXX. It also states as of the date of this letter the transfer of ownership has not yet been publicly recorded. 

( See exhibit B ) Notice of ownership change On XX/XX/XXXX there was a fraudulent assignment of mortgage with ( assigner ) XXXX XXXX XXXX XXXX America, as trustee for XXXX  XXXX  XXXX XXXX, mortgage asset back pass-through certificate series XXXX XXXX. ( Assignee ) XXXX not in its individual capacity, but solely as trustee of NRZ pass through XXXX XXXX. ( See Exhibit C ) Fraudulent unrecorded assignment. 

In XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX. I requested XXXX XXXX to send me recorded assignments of documents from the state of Hawaii. XXXX XXXX never sent any recorded documents but sent me a letter stating our records indicate that XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of NRZ pass through trust X are the current owners of the loan. ( See exhibit D ) Letter Stating ownership Now in XXXX I received a letter dated XX/XX/XXXX from Shellpoint mortgage servicing responding to the consumer financial protection bureau complaint received on XX/XX/XXXX regarding the subject property. It stated XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee of the XXXX  XXXX XXXX  loan trust XXXX XXXX is the current owner of the loan. 

Shellpoint never sent me any recorded documents proving XXXX XXXX as owners of the note. 

XXXX XXXX XXXX XXXX needs to explain to the consumer protection financial bureau how these mortgage back securities can be traded or sold without legal title ownership nor recorded assignment of mortgage to the stated entities that claim ownership. 

It is a federal crime to transfer, create or sell mortgage back securities without a recorded assignment of mortgage to show ownership ( See exhibit A ) XXXX XXXX XXXX loan trust XXXX letter stating current ownership We are in the process of filing a complaint with the security and exchange commission for mortgage back securities fraud.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XX/XX/XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXXXX/XX/XXXXXXXX
Product: Money transfer, virtual currency, or money service

My father sent {$1000.00} money transfer from his bank to my bank ( chime ). It was done on XXXX XXXX around XXXX pst. I called the bank before he sent the money on XX/XX/year>. On XX/XX/year> I explained to them in great detail what my dad was going to do and asked them if my account will allow me to receive the funds. They told me yes 100 % I will be able to receive the funds within XXXX XXXX XXXX. My dad sent the money on Monday XX/XX/year> around XXXX pst. I called them around XXXX on XX/XX/year> and asked them can they see the transaction they told me yes they can and the funds would be available on XX/XX/year>. on XX/XX/year> I checked my account and the funds were not there. I proceeded to call the bank ( chime ) and let them know also to have them locate the funds. They told me yes they still see it there to give it a few hours to post to my account. I recorded this conversation. A few hours pass and I check again, surprise its not there. I call back and got a really rude supervisor who told me he doesnt see any such transaction and i wont be receiving the funds. I was appalled because I was expecting that money to attend my nephews wedding. I called again on Sunday XX/XX/year> and spoke to another rep who told me that it disappeared on their end but not to worry it should be on my account on XX/XX/year>. I checked today XX/XX/year> and it isnt in my account. At this point I feel lied too and feel as if they are using unsafe and unfair business practices against their customers. I want to sue for the money sent and emotional distress. That would make me whole
Product: Credit reporting or other personal consumer reports

Navy federal credit union has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. Navy federal reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX  AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the undersigned, am writing to formally dispute the inclusion of a late payment entry on my credit report, specifically pertaining to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ]. Upon meticulous review of my credit report, I was profoundly dismayed to discover this entry, as it unequivocally misrepresents my payment history and has egregiously impacted my creditworthiness. 

As delineated within the annals of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of the information comprising consumer reports ( 15 U.S. Code 1681e ). It is, therefore, incumbent upon the credit reporting agency to ensure that the information disseminated in my credit report accurately delineates my payment behavior and fiscal probity. 

I maintain, with unwavering conviction, that the inclusion of this late payment entry is egregiously erroneous and patently fails to accurately portray my paymet conduct with XXXX XXXX XXXX XXXX. Consequently, rectification of the entry 's status to " paid as agreed '' is not merely an equitable resolution, but a requisite measure essential to safeguarding the integrity and veracity of my credit report, as mandated by the hallowed provisions of the FCRA. 

Furthermore, pursuant to the auspices of 15 U.S. Code 1681c, it is incumbent upon a consumer reporting agency to permit a user of a consumer report to divulge the contents thereof to the consumer, should adverse action be taken against the latter based, either wholly or in part, on the contents of said report. Therefore, I hereby demand full disclosure of the contents of my credit report in relation to this dispute. 

In the event that the aforemntioned equitable resolution is unatainable, I am left with no recourse but to entertain the prospect of terminating my association with XXXX XXXX XXXX XXXX and exploring alternative avenues. It is of paramount importance that my credit report accurately reflects my fiscal standing, thus facilitating the administration of equitable and transparent lending practices. 

I hereby demand that you conduct an exhaustive investgation into this matter forthwith and take requisite measures to expeditiously rectify the inaccuracies pervasive within my credit report. Your immediate attention to this matter is of the utmost exigency and is earnestly anticipated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report and negativity allow accounts affected by natural disaster to affect score. Accounts were forgiven under payment relief. Creditor noted *Affected by natural disaster. After I requested it be removed, Experian deleted comment and then verified as accurate. Investigation process has done more harm than good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Equifax credit report from XXXXXXXX XXXX from XX/XX/XXXX that I do not recognize or authorize. Ive tried calling XXXX to let them know, but they stated I would have to call Equifax to get it taken care of. I called Equifax and they stated I needed to file a report on FTC, in which, I was directed to this page. I need this taken off of my report because it was not authorized by me, and according to the FCRA, legally, this unverified unauthorized item must be removed.
Product: Credit card or prepaid card

I try reaching out to Discover credit let them know that I did not receive services company called XXXX XXXX.There was a charge like {$360.00} that I disputed twice and so Discover is saying they are not going to dispute.The company sent Discover credit card some fraudulent paper stating that all sales are final but no services were ever performed.I submitted a dispute with CFPB about this issues with XXXX  XXXX how they are making racial slurs and cursing at me over the phone.They pretty much took my money keep changing the phone numbers somewhere in the XXXX .I spoke to some name XXXX in the dispute department and she is giving me runarounds after I explained what going but keep insisting they are not going dispute the information.
Product: Credit card or prepaid card

I had only used this card on time - never missed a payment - needed a bed for my grand daughter and went to the store to find out that the Sychrony had closed my account. when I called they said the decided to close it and sent out a letter - which I have not received yet. 
I have done nothing wrong - I have paid on time and then they do this just to be XXXX  during this Corona Virus when I need it most. 
THEN - I call customer service to ask why they did this to me at this time - she put me on hold for 18 minutes and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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. 
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Product: Debt collection

In XXXX of XXXX, i received a letter from XXXX XXXX, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my credit report with Equifax. this has been my 2nd attempt. checking my credit reports these data information has caused alot denials that needs to be resolved an cleared. please review an remove the listed items in the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Product: Credit card

On XXXX I went to have an oil change an front window replaced. The window covered by insurance. XXXX called after I dropped the car off indicating that they did not want to use insurance. I picked the car up and took it to XXXX who replaced the window. XXXX charged my credit card for the window. I disputed the charge providing both XXXX information and XXXX  information. M & T Bank never called either revered charges.