23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is an ongoing problem since XXXX starting with XXXX XXXX then transferred to Navient. XXXX XXXX and Navient are legalized extortionists. The continued issue is misappropriation of funds despite explicit instructions. All stubs with notations as well as check are photographed and saved. XXXX payment was written and mailed XX/XX/XXXX. XXXX XXXX payment was in the amount of {$140.00}. {$0.00} was applied which now results in the perpetual cycle of : affecting credit score for missed payment ; compounded interest ; higher principal as not lowered by the prescribed and received payment applied to balance thus increasing the owed amount. In addition, XXXX payment of {$200.00} is noted has {$340.00} paid. Once again Im told a missed payment yet it is a misappropriation of payment. This affects my credit rating and adds undue interest and penalties in an already legalized extortion algorithm that is financially strangling. In addition, time spent trying to correct. Ive called Navient yet again to have them correct their error. 
XXXX XXXX
Product: Debt collection

1. Gm Financial is reporting to credit Bureaus that they gave me a loan. When in fact it was a retail installment agreement. Which are two different things. GM financial has never given me any money.

2. GM financial did not follow illinois laws when repoing the vehicle. They must contact me 3 days after in writing about my options. I was contacted 14 days after. 

3. GM financial stated they sold the car in a private sale on XX/XX/23. However the car has not been sold. 

4. GM Financial stated they sold the car in a private sale but they are charging me auction fees. 

5. Once GM financial violated Illinois laws post repo this was automatically considered a wrongful repossession.

6. Reporting inaccurate information to credit agencies is violating my rights under the fcra.
Product: Debt collection

On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.
Product: Credit card

I just want to let you know that I never had an American Express card. I want it off my XXXX report because it should have never been there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it XXXX concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Product: Debt collection

documents are attached please read carefully. reply back within 3 business days of receiving also please read the resolution box carefully. defamation of character, damage my reputation, caused damages
Product: Mortgage

Our issue is that Specialized Loan Services not applying our Home mortgage payments in a time manner. They hold the payments for no reason. Here is a good example. Keep Your Home California help us approving {$49000.00} last year in XXXX XXXX. SLS received the {$49000.00} From KYHC in XXXX XXXX and they just applied to our account over a year later and after hundreds of calls to them and they finally applied the money with KYHC help. Also right now they are showing that we have n't send any payments since XXXX, XXXX. On XXXX XXXX, XXXX we submitted a bank statements to proof of payments for all these months and following with phone calls with out any response yet. as today our loan payment history it 's a mess and we do n't see a way of resolution. Here is some history on how the mess started. when Specilized Loan Services received the {$49000.00} from Keep Your Home California they applied to our loan account and sent a statement letter which explained the new do payment amount so we started to send the specified payment amount since then but they pulled the {$49000.00} from our account and when we questioned why that happened they argument ed that they still need the signed Agreement for Modification of a Mortgage Re-amortization Only. Which we signed and mailed to them at the binning of the process. I can remember how many times we signed the Agreement and re-sent it to them and we have records of proof of delivery for the document. i really believe that this is a fraud. We really need some professional assistance to solve this issue. Thank you.
Product: Credit card or prepaid card

I called Barclaycard XXXX/XXXX/2017 at approximately XXXX EST from my husband 's phone with a simple request of seeking to confirm no recent card activity. After navigating the cumbersome automated system and entering all requisite information required, including several " for your security '' entries I finally reached a human. I should have known something was afoul when the frontline phone rep transferred me immediately after additional security information to " security. '' XXXX was who I spoke with from " security '' and alternated from interrogation to placing me on hold for the next 20 minutes. Thankfully, I keep excellent records and was able to immediately answer. After calling my home ( and waking those sleeping ), she came off our third hold event. The lines of questioning included which bank account I had made my most recent payment from, what was the payment amount, when was the payment made?
These were all events that took place several months ago. Given I value my time with my family and consider the amount of time spent on hold and answering the less than friendly line of interrogation from the phone representative, I indicated I was " considering whether or not I should continue my relationship with barclaycard. '' The rep thought she had some sort of " gotchya '' moment and said " she should continue?!? '' I was not sure what she was implying until she said this, as apparently she insists I was my husband. Great, sick and accused. So now instead of having my credit balance refunded and account closed, XXXX enumerated all of the " requirements '' for " identity validation '' in order for their " security department '' to clear my straightforward request at the end of the call to close my account and have the annual fee refunded. Really, I am supposed to pay you an annual fee for THIS type of customer service? I have received better treatment in communist nations! I believe XXXX needs to be retrained, as this is not how you retain customers in any form whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX ) Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 2 personal credit card accounts opened with XXXX XXXX XXXX  on XX/XX/2020, and XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan opened with XXXX XXXX XXXX, XXXX. on XXXX XXXX, Collection accounts opened with XXXXXXXX XXXX XXXX on XXXX XXXX, and XXXX XXXX XXXX on XXXX XXXX appearing on my consumer FICO 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: Mortgage

I send a payment to M & T bank check number XXXX. The check was post into the bank but not into my account.
Product: Mortgage

On several occasions, we have received letters from a company that are deceptive, in that they make the ads look like they come from our mortgage company but they do not. They add language which says the matter is urgent or important and refer to our mortgage company, as if they are the mortgage company. They do not say who they are or disclose their name, but only contact information in a trap to scam or sell us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed complaint # XXXX against Equifax regarding inaccurate information listed on my credit file and improperly investigating my disputes. In my complaint I listed the accounts that needed to be reinvestigated. I have made several attempts within the last 6 months to resolve this issue with Equifax. It has hindered me from a positive financial future. I recently called Equifax on ( XX/XX/XXXX ) and spoke with XXXX, a manager in the Consumer Affairs department and explained that I have filed a complaint regarding the accounts and issues Ive been dealing with. She advised me that she was aware of the complaint and advised me that I needed to file a FTC report to have my issue and complaint resolved. She advised me that upon sending in the FTC report the items would be deleted from my credit file. So I faxed my FTC report over to Equifax and called back to verify they received it. I then spoke with XXXX and he verified my identity by asking me to take a picture of myself as well as my license. He was able to see my CFPB complaint as well as my previous disputes and the FTC report I was told to send in by XXXX. I mentioned to XXXX that I had discovered some new information on my report that was unauthorized and had been newly added when Equifax received my CFPB complaint. I advised him of the conversation I had with XXXX about sending in the FTC report and having the items removed from my report! He agreed that she was correct and the items would be removed now that they have received the FTC report. I named all of the accounts that needed to be removed and XXXX advise that he was sending a request to have the items removed. He provided me with a confirmation # XXXX and reassured me that my disputes and CFPB complaint has been resolved but that confirmation number was only for the newly information that was added after Equifax received my CFPB complaint. Today I received notification from the CFPB to review Equifaxs response to my complaint. Equifax response was unfamiliar to me because the accounts that Equifax states that have deleted were never on my credit file, I didnt list these accounts in my complaint. Equifax didnt properly investigate my complaint or dispute but instead added a response belonging to another consumers complaint and credit file. My Equifax credit report still lists the inaccurate accounts I listed in my complaint, dispute and FTC report. Equifax has listed accounts belonging to another consumer and is misrepresenting these items as if they belong to me. Equifax is alleging that the items I disputed has been removed but their still listed on my report as of today.
Product: Mortgage

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX The short sale was started XXXX/XXXX/19 with SLS. On XX/XX/XXXX we were told the file was complete. 

We were just told today that underwriting somehow allowed some tasks to expire in XX/XX/XXXX, requiring the file to be re-underwritten. XXXX claims the file is currently still in review, but I told him that is absolutely unacceptable, as our sellers, buyers and ourselves have met every demand that SLS has issued to us in less than 48 hours. The buyer agreed to their counteroffer on XX/XX/XXXX, and we are nearly 30 days out from that. The fact that underwriting on the file had expired is through no fault of anyone but SLS, and I expect SLS to remedy it immediately. I also can not get confirmation from SLS that it was send to the investor, XXXX XXXX. 

I want SLS to be investigated for these continual and deceptive communications.
Product: Debt collection

This company keeps sending me bills for XXXX XXXX XXXX bill that belonged to me tenant in the upstairs apartment. Not sure how the bill got in my name but they keep harrasing me about it and even put it on my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. RESURGENT RECEIVABLE - Account Number : XXXX - Amount : {$1100.00}/ XXXX Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - Credence RM # XXXX Inquiries to be Removed : XXXX. Ryburn - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. Arkansas XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

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

I sent information to Equifax, XXXX and XXXX about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and Transunion is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone Transunion is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the Dola Date Transunion is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that transunion is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when XXXX is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
Product: Mortgage

Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXXXXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX