23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As a Veteran and a first time home owner it is an amazement to me how much theft transpired behind the closing of my VA LOANXXXX XXXX and still ongoing I am fighting outdated and backdated information towards foreclosure of my home.There was a ruling marked a win for U.S. Department of Justice in a civil fraud case, which accuses the bank 's Countrywide Financial unit and former Countrywide executive XXXX XXXX of duping XXXX XXXX and XXXX XXXX into buying shoddy mortgages. The case was first brought in XXXX by whistle-blower XXXX XXXX XXXX a former Countrywide Home Loans vice president. 
A jury found against the bank in XX/XX/XXXX, determining that Countrywide misrepresented to XXXX and XXXX the quality of mortgages it originated through a program known internally as high-speed swim lane ( XXXX  ), or " hustle. '' In XXXX, XXXX leveled a fine of {$1.00} XXXX against BofA and hit XXXX with a {$1.00} XXXX penalty for her role in the scheme. ( XXXX, a key witness in the government 's case, eventually raked in a {$57.00} XXXX whistle blower award. ) In my research with XXXX XXXX who was one of the expert witness and investigator when in XX/XX/XXXX he discovered that XXXX XXXX, in a terse opinion, simply told us that Judges and Justices were wrong in all those trial court decisions and even appellate court decisions that applied common law theories to modify the language of the Federal Law ( TILA ) on rescission. And now bank lawyers are facing the potential consequences of receiving notices of TILA rescission where the bank simply ignored them instead of preserving the rights of the lender by filing a declaratory action within 20 days of the rescission. By operation of law, the note and mortgage were nullified, ab initio. Which means that any further activity based upon the note and mortgage was void. And THAT means that the foreclosures were void.I have 3 full blown audits that repeat that my loan financing has fraudulent activities between 13 franchised banks and Bank of America the Mother Load of The Chain.
Product: Payday loan, title loan, or personal loan

This is formally the third time I report this company. 
I have everything documented and I expect that you take this in a professional matter and with competency that your agency should have. 
I do understand you are not a lawyer yet eveything is documented and clear and apparently is not being investigate properly. 
The company is Comenity Capital Bank XXXX XXXX XXXX XXXX TEXAS XXXX I made muliple occasions and documented all the attempts I have done online and other phone to MAKE MY LAST PAYMENT TO AVOID DEALING WITH THEM ANY LONGER. 1 ) THEY KEEP ACCEPTING MY BANK ACCOUNT INFORMATION, TELLING ME THAT THE LAST PAYMENT WAS GOOD 2 ) SENT ME CERO BALANCE LETTER 3 ) SENT ME CLOSED ACCOUNT KETTER 4 ) I GIVEN THEM TWO OF MY BANK ACCOUNT TO PULL THE
MONEY.

5 ) THEY JUST SENT AN ESTATEMENT THAT ADDED INTEREST AND LATE PAYMEMT FEES AFTER TELLING ME ALL WAS OK.

6 ) PLEASE REFER TO ALL MY OTHER DOCUMENTS WHERE I REPORTED THEM TO YOU BY DOING THE SAME FRAUDULENT MOVE : NO COLLECTING THE MONEY TO KEEP COLLECTING FROM ME LATE FEES AND ADD INTERS.

7 ) Despite all the email exchange though the secure website, the documents they sent reassuring me that account was closed and " XXXX  balance. Numerous phone calls and speking to the Supervisors YET AGAIN THEIR ACTIONS ARE OPENLY INTENDED TO MANIPULATE FRAUDULENTLY THE SYSTEM TO KEEP COLLECTING EXTRA MONEY.

8 ) I CALLED MY TWO BANKS TO MAKE SURE IF THEY EVEN TRY TO COLLECT OR IF THERE WAS A PROBLEM AND THEY TOLD ME THEY DID NOT ATTEMPT TO COLLECT NOR THERE WAS A PROBLEM WITH THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Product: Student loan

I am writing to formally request the discharge of all student loans held by XXXX  due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. XXXX  misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. Also, XXXX  has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX  has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX  conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX advice and entrusted them to manage my student loans, I believe I am entitled to be fully discharge all related debts. Their misconduct has created an unjust financial situation, and I ask that my loans be fully forgiven. Thank you for considering my request. I hope the CFPB will swiftly and decisively take action to hold XXXX  accountable and provide the relief borrowers like me desperately need.
Product: Credit card or prepaid card

I received a credit from XXXX 's XXXX XXXX mobile phone service in XXXX for a phone that died. That credit went to American Express, because I had originally purchased the phone with an Amex card. 

However, I had canceled my XXXX-branded Amex card a year earlier when XXXX switched its card to XXXX XXXX. 

I was told by XXXX that the agreement between XXXX and Amex to transfer misdirected credits and payments within 15 business days had just expired, so my credit might take longer. 

It's now been nearly four months, and still no transfer of the {$210.00} credit to my XXXX XXXX account which Amex has had since XXXX. 

XXXX XXXX says the credit was accepted by Amex, so there's nothing it can do. A XXXX customer service representative says there is bad blood between the two companies about XXXX 's switch to XXXX, but it can't force Amex to transfer my credit or otherwise do anything to help obtain my funds. Amex has had me on hold or speaking to non-native English speaking customer service representatives for hours. 

One Amex rep told me, after a lengthy process, that he was not able to even get into my now-closed account. Another told me I would get a call from a higher-level resolution team within 30 minutes, and instead ... crickets for more than 16 hours at this point. 

Apparently, Amex has decided it can engage in outright theft of the funds of former customers because it's angry about XXXX 's decision to change its credit-card branding.
Product: Credit reporting or other personal consumer reports

There is an address listed on my report which is incorrect. I have disputed it on all XXXX credit reporting agencies and been denied each time. The address shown is : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived there. That is my ex-wife 's address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reflects a score of XXXX. XXXX and trans union have not updated their information. There shouldnt be any debt collection accounts on my reports because the debts were a result of my employment with XXXX  XXXX XXXX, their XXXX XXXX  affiliated employees, and the trafficking that I suffered as a result. XXXX screamed at me saying that my credit was about to take a dive, while I was employed there. Theyre responsible for the Genocide charges that I added and theyre responsible for sanctions against the United States Government XXXX Im the reason why they passed the Debt Bondage Repair Act in the first place. Theyre not permitted to violate 42 USC 3631. Theyre also not permitted to violate 18 USC 246. Theyre are multiple acts of Congress and theyre using portions of my case with respect to my privacy in the Supreme Court Case United States Vs. Ciminelli. That includes the XXXX XXXX XXXX XXXX. They should have immediately wiped it instead of letting it continue.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX XXXX : - XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - NOT XXXX XXXX, NY, XXXX Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account NameXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number :XX/XX/XXXXINQUIRIES : XXXXXX/XX/XXXX
Product: Debt collection

im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated XX/XX/2021. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1995 Transunion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, XXXX   and XXXX consumer reporting agencies, I determined that said reports contained a Capital One Visa credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and Capital One returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did Capital One ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information. Identity theft and fraud are considered serious offenses, and unauthorized credit reporting falls squarely within this framework.

I assert with unwavering certainty that I have not provided consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Debt collection

I had XXXX ( aka Charter ) internet/cable service for 9 days in late XXXX XX/XX/2022 and they could never get my cable to work, so I cancelled it. XXXX has a 30 day money back guarantee of satisfaction, so I owe no money for the service itself. I returned several pieces of equipment and have the receipts to prove it. 

In XX/XX/2022, I received a letter from Amsher Collection Services on behalf of XXXX in the amount of {$110.00}. I did not realize I still had a XXXX modem until I received this letter, because the XXXX technician had moved it to a room I never use without my knowing. Upon learning this, I promptly returned the modem on XX/XX/2022 ( receipt attached ). On XX/XX/2022, I sent Amsher a detailed letter with multiple items of evidence attached proving I owed no money to XXXX. I have never received any additional correspondence in any form from Amsher or XXXX, so I naively assumed this meant they had realized their error and it had been taken care of. 

About 3 weeks ago, I noticed my credit score had gone down and was trying to figure out why, as I should have nothing negative on my credit report. Imagine my surprise when Amsher Debt Collection shows up as an unpaid debt of about {$53.00}! This is the only negative on my credit report and it brought down my score quite a bit. I sent a message via a " Dispute your debt '' page on the Amsher site ( https : //www.amsherconsumer.com/im-disputing-this-debt ) and attached the XX/XX/2022 letter and most of the documentation I had sent them back in XX/XX/2022. I have received no response, not even an email confirmation of my submission. A few of the original receipts/proof I had sent with my XX/XX/2022 have since been lost, but I was able to find most of them. The most important items are the receipts showing I returned the equipment- Attachments C, D, E, H and K. I could not find the original ( and only ) letter Amsher sent me in XX/XX/2022, but I am pretty sure they are saying the {$53.00} is primarily for the modem which was not returned until later ( Attachment K shows XXXX got the modem back ).
Product: Credit reporting or other personal consumer reports

XXXX Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Ohio FCRA Identity Theft Fraud Laws Dear GM FINANCIAL, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ) and Ohio identity theft fraud laws. 

It has recently come to my attention that GM FINANCIAL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, specifically the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Ohio state laws, particularly those related to identity theft and fraud, emphasize the critical need for consumer consent for credit reporting activities. These laws are designed to protect consumers like myself from unauthorized access and misuse of personal information. 

I want to emphasize that I have not provided consent for GM FINANCIAL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness. 

Therefore, I demand that GM FINANCIAL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Ohio state law. This is a demand for compliance with both federal and state regulations, aimed at protecting consumers from unauthorized and damaging credit reporting practices. 

I expect GM FINANCIAL to address this matter promptly and rectify these violations in accordance with federal and Ohio state laws. 

Done in good faith,