23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was under the impression that the XXXX XXXX XXXX was going to help consolidate my loans. I was n't aware that this company was going to make me stop paying my loan back. I now am suppose to pay this company {$50.00} a month. I would rather be paying my loan. I need to get out of this program. They have all my personal information and I need to make sure they do not mess with my credit or identity. Please advise me how.
Product: Mortgage

My HELOC account was transferred from XXXX ( XXXX XXXX XXXX ) to Shellpoint on XX/XX/XXXX. The loan was not accessible between XX/XX/XXXX and XX/XX/XXXX. I received an email on XX/XX/XXXX stating that the loan was accessible. The ACH payment information did not transfer as their previous communications stated so I manually paid my payment online of {$540.00}. I logged in on XX/XX/XXXX to verify a payment had posted correctly only to find my payment due on XX/XX/XXXX is {$680.00}. I contacted customer service twice ( chat and phone ) and no one can give me a statement for due date of XX/XX/XXXX. Online statements are not accessible. Basically, nothing is accessible online ( they say ) because it was just transferred 15 days ago yet their website shows the amount of payment due for XXXX. They said it had not been generated yet but their website is showing a payment. So, how can that be? I feel like something is not right with this new " Shellpoint '' company. The chat representative stated that I had an interest only loan and that is not true. My payment has NEVER been that high, even on the first payment of the HELOC in XXXX. No one can answer any questions and they can not provide a statement which I feel is a violation of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my annual free report on multiple times and XXXX XXXX has failed to comply. I sent a notarized request at the beginning of XXXX to which they responded by mail stating they needed a copy of my utility bill and state Id. I faxed over that information the utility bill had previous and current address on it and they sent me another letter stating to give them a call. I did and verified name, birthday, social security number and address again. The customer service rep stated they got my fax but it didn't have my current address on it. I asked to speak to a supervisor and spoke to XXXX who didn't even seem to understand my call. At first he said he did not have the information that I just requested and then after pushing the conversation he said my ID was not legible. The inconsistent information that I have received is unprofessional and irresponsible. I have sent as stated above more than enough information to validate my identity. There continued failure and violations of my rights is unacceptable and may lead to other legal avenues if not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
Product: Checking or savings account

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX  ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX they updated credit record but still incorrect about XXXXXXXX XXXX 'deliquency dates ' information and incorrect " paid full less than balance '' information. ( 1 ) I paid total amount in full, in fact, over paid the amount, they even sent me a refund check for over payment. " less than balance '' must be deleted. ( 2 ) They calculated the record remaining date is until XXXX, XXXX is wrong and must be corrected. According to their own reported history record, this account was XXXX, XXXX, XXXX days late since XXXX, XXXX the record in file is XXXX  years from XX/XX/XXXX and ends in XXXX, XXXX, not XX/XX/XXXX. Most importantly, this account first missing payment dates started from XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX  did not report correctly but left as ND ). My account was is deliquency status started from XXXX, XXXX ( see attached letter ) The credit card was suspended and I was in XXXX XXXX  deliquency program paying the installments to their collection depart started from XX/XX/XXXX. This is XXXX account and the first original missing payment ( delinquency ) date was XX/XX/XXXX. According to the law, XXXX years expired in XX/XX/XXXX and should be removed from my record.
Product: Credit card or prepaid card

I paid off my card with Chase bank {$4000.00}. leaving XXXX balance. Now they want me to pay XXXX {$35.00} XXXX interest a month later. Our agreement is for interest to be paid on remaining balance after each months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXXXXXX Medical- Hospital bill after my XXXX XXXXXXXX XXXX XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Product: Checking or savings account

i am receiving offers or letters to a person who does not live at my residence using my address to correspond with this financial institution
Product: Debt collection

A collection agency, National Credit Systems is coming at me trying to scare me for XXXX XXXX XXXX XXXX. They say that I owe them a debt but I've never did any business with them. I applied for rental property XX/XX/year> and was denied. I was advised to check my credit. After checking, I saw this unauthorized account on my credit report. I contacted both companies, XXXX XXXX XXXX  and national credit systems by via phone and certified letters requesting information on this acct. I was denied. They were very rude and threating towards me saying they did not buy the debt and they are a law firm and that I'm in trouble. Then kept hanging up in my face. So here I am trying to get help on This is a fraud acct, that's not mine. This fraud account is causing me to be denied credit and potentially higher scores. A police report and FTC report was filed and I will be pressing charges on the person of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

THD/Citi have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. They have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. they have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX  '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding my credit report. Upon a recent review of my credit history, I discovered several inquiries that were not initiated or authorized by me. This has raised serious concerns about potential fraudulent activity and its potential impact on my financial well-being. 

I have attached a copy of my credit report, highlighting the unauthorized inquiries for your reference. The fraudulent nature of these inquiries is evident as I have not applied for any new credit or services that would warrant such checks. As a responsible consumer, I take great care in managing my financial affairs, and the presence of these unauthorized inquiries is both alarming and distressing. 

I understand the critical role credit bureaus play in maintaining accurate and reliable credit information. Therefore, I kindly request that you initiate an immediate investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I believe it is crucial to rectify this issue promptly to safeguard my financial standing and prevent any potential negative consequences. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. I trust that your investigation will be conducted thoroughly and efficiently to rectify this matter at the earliest convenience. I also request that you provide me with updates on the progress of the investigation and inform me once the unauthorized inquiries have been successfully removed from my credit report.
Product: Credit reporting or other personal consumer reports

Fraudulent open/closed collections accounts : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX Fraudulent Unauthorized inquiries XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX , I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Respectfully XXXX XXXX UCC-1-308 without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a mortgage with this company, but they were completely paid off in XXXX. They keep reporting to my XXXX, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining XXXX XXXX and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of XXXX. Also, they are reporting each month to my credit report as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$550.00}. I did not get any type of letter from XXXX letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
Product: Debt collection

Received an email XX/XX/XXXX for a debt that is not mine and unsubscribed from their list. I have a service that monitors when my email is subscribed to an email list. I have been re-enrolled without my legal authorization and then emailed every XXXX  days on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I used to live in apartment XXXX with my mother and sisters. My sister, XXXX XXXX, and I moved out of the apartment on XX/XX/scrub>XXXX XXXX XXXX As far as I understand, my mother and XXXX sisters stayed and renewed the lease. The reason for this letter is to inform you there was a discrepancy on your end because we were not removed from the lease when it was renewed. Further, we were not informed there was an eviction taking place. As of now, someone from Genesis had to inform us of this situation and told us XXXX had passed the money owed to them, and we would need to pay it. My mother informed them that we should not be involved in this matter because we werent living there for that current lease.
Product: Student loan

I attended XXXX XXXX XXXX, a for-profit school. This school illegally destroyed mine, and other students ' transcripts that attended from XXXX to XXXX. I have been stuck in " Pending Review '' for years. I have applied and been denied government positions because I can not provide official, or even unofficial transcripts. I am further harmed by having to restart school and get an XXXX XXXX XXXX, and now an XXXX XXXX, due to not having official transcripts, therefore putting me an additional two years behind in my quest to attend XXXX XXXX. I do not believe it is fair that I must pay a loan for a degree I can not verify exists, can not use the classes I worked hard and excelled in, and can not use to get a job with. I have also attempted to apply to government jobs without using it, but due to background checks, I am asked to provide transcripts for the degree they see on the background. I have reached out to the XXXX XXXX XXXX XXXX who had purchased and closed the school, the XXXX XXXX XXXX XXXX for California where the other transcripts were sent, the State Department, as well as the Federal Department of Education, and have found no recourse for obtaining my trainscripts.
Product: Credit reporting or other personal consumer reports

On my Experian credit report Experian added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for XXXX years starting XX/XX/XXXX I no longer have that number XXXX and have filed XXXX disputes online. By mail and over the phone Experian who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for XXXX years legally Experian has extended this period to include XXXX mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by Experian and added XXXX out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt XXXX a XXXX XXXX of XXXX Experian is the only XXXX one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by Experian Thanks Experian Experian has changed my PIN number passcode XX/XX/XXXX as well this is an Experian insider and I have suffered over a XXXX XXXX dollars in damages