23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX, a CFPB complaint was filed against XXXX XXXX and in their response to our complaint XXXX XXXX specifically states that they " purchased '' the contract from XXXX XXXX XXXX in XXXX XXXX, XXXX. 

We received correspondence from XXXX XXXX in the mail in XX/XX/XXXX that provided a photocopy of the contract from XXXX XXXX XXXX and a transaction history of the account in question. This documentation does not show that XXXX XXXX has any right to collect any debt as they have not provided a contract that has both MY wet ink signature and THEIR wet ink signature. Also, a Promissory note was requested and not provided. The transaction history does not show that XXXX XXXX put forth even {$0.00} of their own funds to " loan '' me any money to purchase the vehicle. 

I reached out to XXXX XXXX on XX/XX/XXXX due to an email I received. I spoke with XXXX XXXX in the XXXX XXXX XXXX. I have sent an email copy, and will send the paper copy that is notarized to XXXX XXXX, requesting information that shows as a " third party collector '' they have the right to collect any debt from me. XXXX informed me on the call that since there is a balance on the account, they still will attempt to collect on it. I requested the XXXX XXXX XXXX XXXX XXXX  ) and a copy of the contract that has both MY wet ink signature and THEIR wet ink signature to show that it is a valid debt. XXXX informed me on the phone call that he could not answer my questions and that I could speak to a Supervisor. He said he was transferring the call and the line disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX  Account # XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Over four years now I have received my mortgage payment over {$510.00}. When I call Bank of America questioning the " Other Advances '' fees of ( {$30.00} - {$35.00} ). Never receive a direct answer, UNTIL... XXXX XXXX XXXX assisted me with my mortgage. I then was told my mortgage is only {$490.00}, however they stated that the additional " Other Advance '' fee was because an XXXXnspector came to inspect my property in XXXX and XXXX of 2022. Keep in mind that there was no one who Inspected my property. Thus {$30.00} is for XXXX and another {$30.00} is for XXXX, and it was a XXXX time fee. However, those fees have been on my statement for over four years! 

Again, when the government assistance program paid my mortgage there was no ( {$30.00} - {$35.00} ), for three months! Once the program ended, the {$30.00} fees returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed multiple accounts that's not familiar. I'm not sure where they can from. Please delete these accounts immediately.
Product: Debt collection

Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : XXXX XXXX XXXX XXXX XXXX Hawaii
Product: Mortgage

I attempted a mortgage modification but that increased my monthly payment. As a result we lost our home in XXXX. I am XXXX years old and that loan was predatory.
Product: Debt collection

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 XXXXXXXX XXXX, XXXX I.Q. DATA INTERNATIONAL , INC, Account Number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Not only was the debt incorrect, but we resolved this issue in XXXX, per the Covid Guidelines. I had no knowledge of this debt until I appeared on my credit report XXXX. Once I disputed it I received a letter from company stating it will stay disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was for XXXX there was a class action lawsuit and this loan was closed in XXXX  somehow XXXX made my federal loan into a private and I have been paying since than. But theres a problem the account should have been closed or forgiven. Instead they are committing fraud making me pay, be in forebearsnce, setup auto pay than they cancel it. The account balance never changes and only increases. My credit was XXXX in XXXX I purchased a vehicle. Than XXXX  reports late payments for XXXX as late payments XXXX years ago this was updated on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email purportedly from Experian about multiple attempts to access my account. I do not respond to emails that ask me for passwords, so I tried to contact the company directly. It turns out that there is no way to get a person on the line and none of the automated categories addressed the problem. The company collected my social security number multiple times but never was I able to find out more about the issue. Colossal arrogance on the part of this company!
Product: Debt collection

Pls see attachments! Evidence! More evidence! Plsagainst XXXX XXXX XXXX XXXX Discriminating college!
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT LENDING CLUB Account Number : 10704 Please remove it from my credit report.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I reached out to Midland Credit Management by certified mail on XX/XX/XXXX asking for viable evidence of debt bearing my signature within 30 days and Midland Credit Management responded by sending copies of the account information without proof of signature. I sent another letter to them via certified mail mail on XX/XX/XXXX and they verified they received that letter on XX/XX/XXXX. No response has been received as of yet. I contacted the company on XX/XX/XXXX and asked for an update regarding my request and the company stated that they put a restriction on my account per my request to not call or send any mail. I did not request an extension. My initial request was for them to send viable evidence bearing my signature of this debt and they have failed to do so. I have attached both letters that have been sent to them.
Product: Debt collection

This case involves my original creditor XXXX XXXX XXXX and my collector Midland Credit Management. Over a year ago after checking my credit report I have noticed that I had unauthorized charges on my credit card, which as I found out was a result of a credit card theft from my mailbox. I have contacted my creditor about that and they said they would close an account for me. After that, the balance was taken off my credit report. 

One month ago I was notified by my collector that I owe them {$870.00}. I have filed a dispute but they came back at me claiming that I still owe them this amount. On a statement provided by a collector, the charge-off happened on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name Syncb/PayPal XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX # XXXX and XXXX XXXX, XXXX
Product: Mortgage

SPS says I signed paperwork saying that they was modifying my loan and changed it too a balloon, I been in my house over 17 years
Product: Debt collection

I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. 

Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.
Product: Debt collection

I never received written notice of this debt from the company and never got the opportunity to dispute or validate the debt within the 30 day grace period. The collection account never showed up on my credit report as well, yet now they are charging me for legal fees for a court summons, but I have yet to see any paperwork for the court summons.
Product: Credit reporting

I have called and reported incorrect names and addresses on my credit reports. After speaking with the representative, I was told they were removed and a updated credit report would be sent. However, as of today, it has not been removed. The alias that is being reported is not my legal name that appears on my drivers license. Also, the  XXXX  addresses is not occupied by me.
Product: Credit reporting or other personal consumer reports

1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

# 4 ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN EXPERIAN XXXX XXXX XXXX ALSO XXXX DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

I had this credit card, and there was unauthorized charges. I contacted XXXX / Synchrony bank to dispute the charges, and I was told I would be credited, and a new credit card would be sent. I never received a replacement card, however I stopped using the account as there was fraudulent activity, and I didn't want to risk someone using my credit card without my authorization again. The balance is now XXXX on my credit report, however its showing on my account as " Charged off as bad debt / Purchased by another lender ''. My account was never charged off, I never was in collections, and my payments were always on time, with my balance being XXXX. I did not owe XXXX or SYNCB any payments.
Product: Credit card or prepaid card

On XX/XX/XXXX I received for at least the 12th time an offer from Capital One to apply to their Platinum Card. I decided to try again for this card as the last time they stated they could not approve me due to " not being able to verify my identify via phone ''. The same happened again, where i received a denial email and the call rep i spoke to said " they couldn't reach me by phone and to file a dispute with the credit bureau ''. My phone number is correct XXXX on ALL THREE Credit Bureaus, i actually verified this 20 minutes before i decided to apply. In addition, I hold a CAPITAL ONE Checking and SAVINGS account to which Capital One has my personal information. In XX/XX/XXXX, I also obtained a mortgage as well as another credit card with their competitor in XXXX XXXX and a car loan in XX/XX/XXXX. Capital One continuously DENIES be based on the only factor of " could not verify identify/reach by phone ''. I have disputed this several times, considering the information they have is completely outdated and their system is never updated. If the FEDERAL GOVERNMENT and LENDER can verify my information for a MORTGAGE and have the correct phone number, as well as other lenders, than this is a capital one issue in their systems. I am tired of being told that I am the one who has the issue and to contact the credit bureaus. I have already contacted them this first time this has happened. I applied for Capital One Card THREE Times once on or about XX/XX/XXXX, XX/XX/XXXX and then most recently on XX/XX/XXXX, as well as capital one auto finance in XX/XX/XXXX all with the same denial Yet their pre qualify mailer they have already soft pulled my credit and have my information as well as from my checking account info with them. As of this complaint I now have THREE hard inquiries on my credit bureau due to this and THREE Adverse Actions in the period of a year. I have incurred the same issue with Capital One denying me for the same reason, when the issue is completely on their end and my credit DOES qualify. This is deceitful business practice!
Product: Student loan

I took out a {$12000.00} private student loan from Navient ( then Sallie Mae ) when I went to the University of XXXX. My mother cosigned on the application. It came with a 9.75 % variable interest rate, which was terrible, but neither my mother or I were very financially literate going into student loan borrowing, and we made some bad decisions. It's my understanding that since then, such a loan has been made illegal and labelled as predatory. I graduated into the recession with a XXXX XXXX degree, and spent years making just enough to live on, unable to repay any of my loans and also cover my bills. 

The last four years, however, I've been making a stable wage and paying my loans on an income-based repayment plan. I make about {$28000.00} a year after taxes, and in the last four years I've paid {$26000.00} against my student loans. My federal loans received {$13000.00} of that - dropping my principle by around {$1000.00} or so ( the rest went to interest ). My private loan got the other {$13000.00}, and the balance on dropped a few hundred dollars. I called to ask about dropping the interest rate now that I'm paying reliably, but they declined. They have no legal force to press them to care, so why would they? 

I pay {$7000.00} in interest to student loans, every year, just for the privilege or being able to reduce my total balance, but that {$7000.00} a year is all the money I can spare - so my balance doesn't drop. I can't consolidate my private loan in with my consolidated federal loans, because my income to debt ratio is too low. 

I borrowed less than {$60000.00}, and I have no problem paying that back, even with a reasonable amount of interest - I'd have it done in another 10 years if that was all that was needed. But since my loans grew and grew for years, and since so much of my ability to pay goes to my constantly stacking interest, I'll end up paying over $ 250- {$300000.00} for my piecemeal XXXX  college education. If I can't increase my earnings and therefore my payments ( unlikely given wages have been stagnant for 40 years, and especially unlikely now that we're going into another recession ), then I'll pay until I'm eighty years old, without any saving for retirement, without any access to economic security or flexibility, without any hope.
Product: Debt collection

1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX 
Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX. 
Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX. 

2.  I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it. 

3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life. 

4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX. 

5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything. 

The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019. 

6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM. 



THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS. 

7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address. 

8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.
Product: Bank account or service

i opened up an account at TD Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, 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.

I will 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 Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Attorney General 's Office CC : XXXX XXXX XXXX