23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have tried several times to contact Firstmark Services regarding my private student loan that is currently in repayment. I've asked several times why my interest rate continues to rise and even asked for an origination statement. However, I can not get an actual agreement from Firstmark Services from when my loan originated. They send me the latest statement only. They say my interest rate is variable which has caused my payments to increase drastically. However, I have never had my monthly payment increase in the past. It has only increased over the last 6 months. I never asked for my student loan to be transferred from XXXX XXXX to Firstmark. And I find it absolutely ridiculous that I can't even get information on the original loan I agreed to.
Product: Credit card or prepaid card

I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
CAPITAL ONE:XXXX - Fraud accounts
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX via XX/XX/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 Has violated my rights .15U.S.C 1681section 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/ and XX/XX/ I send out dispute letter to Experian, XXXX and XXXX to validate this information XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with Chase Auto Finance about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute and request the removal of the following account from my credit report due to continued inaccuracies : **Account Name : ** XXXX XXXX **Account Number : ** XXXX Despite previous disputes under the Fair Credit Reporting Act ( FCRA ), the credit bureaus continue to report inaccuracies related to this account. I request that the credit bureaus permanently remove this account from my credit report, as they have been unable to validate the charges properly during their investigation. 

I disputed this item on my credit file in XXXX and XXXX through phone, email, and standard mail, but the credit bureaus did not mark this as disputed, which is a violation of 15 U.S. Code 1681i. Additionally, no one validated the debt or sent me any correspondence regarding the debt. I was also told that if I paid, the account would be removed from my credit report, which it never was. 

Despite my previous disputes, TransUnion is still reporting inaccuracies in this account. The " date paid '' does not match my records ; I paid earlier than the date mentioned. The payment history of the account is inaccurate, with payments and information differing from other credit bureaus. 

**Violations and Relevant Laws under FCRA and FDCPA : ** - **15 U.S. Code 1681e ( b ) : Accuracy of Report** Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion. 

- **15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy** - **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction** If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account. 

- **False or Misleading Representations ( 15 U.S. Code 1692e ) ** Making false promises or representations about removing debt from a credit report constitutes a violation of this section, specifically 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect a debt or obtain information concerning a consumer.

- **Unfair Practices ( 15 U.S. Code 1692f ) ** Promising to send confirmation and failing to do so may also be considered an unfair practice under 1692f, which prohibits the use of unfair or unconscionable means to collect or attempt to collect a debt. 

- **Failure to Conduct a Reasonable Investigation ( 15 U.S. Code 1681s-2 ( b ) ) ** Thank you for your prompt attention to this matter.
Product: Debt collection

They have been contacting my neighbors and random people in my city about a debt that isnt even mines. Called my colleges clients about me. I am a real estate agent who can not afford them defaming my character.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXXl law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Product: Credit reporting or other personal consumer reports

Since XXXX  I am being harrased by the creditor mentioned I called them and every time I call I get an XXXX person I asked for a manager he says he is the manager so I decided to ask the credit agency to investigate the issue no response never get anything thn I call XXXX months later and nada I send the documents again I get a notification saying investigation closed and verify as accurate I m sick of this game please please help me
Product: Credit reporting or other personal consumer reports

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ARE UNAUTHORIZED HARD PULLS AND MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Bank Name : 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
Product: Checking or savings account

Hello, I am writing this letter, because I had previously been charged a total of {$1.00}, XXXX from a store on my statement as XXXXXXXX XXXX  which actually name is XXXX a store in XXXX XXXX XXXX XXXX. There were three charges of {$410.00} and two charges of {$160.00} which totaled to {$1500.00}. I actually realized these charges were there later that day and contacted Chase bank to dispute, but they told me that the department was closed and I would have to call the next day. The next day I called to have these charges removed, but my claim was denied as my bank stated that I inserted my card with chip and the pin was used. I explained to the bank that I was only buying something at the store that was about {$5.00}, but every time I would put my pin in the owner said the card wasn't working and he had a different charge up and would change it. There charges were all the same amount multiple times and Chase allowed all of them to go through at the same time which is clearly fraud and unusually activity, but the bank continues to blame me. One charge Chase did reverse as it came through the next day after I made my claim, but Chase has since decided not to honor this and returned the amount. All of these transactions took place at the same time on Friday XX/XX/year> in XXXX XXXX at XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Direct deposit blocked coming from Socisl Security. I had deposited a check that was declined, caused overdraft. I was notified of account closure date of XX/XX/2023. I notified social security to redirect deposit to another account prior to the closure date, however socisl security couldn '' t change it until XXXX payment. The bank blocked all deposits including direct deposit from social security. I was unable to receive my deposit timely as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. XXXX XXXX in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and XXXX XXXX is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.
Product: Prepaid card

I was given 4 separate prepaid American Express cards, each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. 

I was only provided with virtual cards, no physical cards. 

I have been unable to use any of the cards at any online retailer, with the exception of one {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). 

I spent over an hour with customer support at AMEX and no help was provided. One of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. 

The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. 

The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office sai d 2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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
Product: Credit reporting or other personal consumer reports

I noticed on my credit report XXXX XXXX  that there are several items and accounts that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Self/lead # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, DiscoverBank : # XXXX, Applied Bank : # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, And one more thing according to 15 USC 1681s-2 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.
Product: Mortgage

Email sent to XXXX XXXX and XXXX XXXX on XXXX : I spoke to XXXX XXXX ( Shellpoint, a division of Newrez ) three times ( XXXX, XXXX, and XXXX ) regarding my loan modification that was supposed to carryover from XXXX XXXX. On XXXX XXXX XXXX told me maybe they're still working on it, but never checked, just guessed. 

Since my loan modification from XXXX XXXX that was supposed to carryover to Newrez, as promised, wasn't happening and I wasn't getting any definitive answers to my questions, I decided to apply again. I haven't received any information or request for information about this, but looking at my account today I see that many documents are being asked of me. All of this information/documents should have already been given to you from XXXX XXXX. I shouldn't have to begin the process again when I already completed the XXXX XXXX with XXXX XXXX and was approved for a loan modification. Newrez is supposed to legally honor the loan modification that was approved by XXXX XXXX before being transferred to Newrez. 

I received a letter from XXXX XXXX, Newrez Compliance Department, dated XX/XX/2023 which states, " Newrez was able to locate the Loan Modification Agreement signed by you on XX/XX/2023. Nonetheless, the copy of the document provided by the servicer does not reflect it was executed before the transfer. Hence, our Loss Mitigation Department has reached out to XXXX XXXX to obtain the original copies and be able to proceed with the implementation of the loan modification. In the event additional information is needed, one of our Loss Mitigation Specialist will reach out to you. '' No one has reached out to me. 

Therefore, I'm thinking I should file a complaint with the Consumer Financial Protection Bureau and the State of Michigan Department of Insurance and Financial Services. I don't understand why I'm getting the runaround. I was told that Newrez would honor my loan modification that I completed with XXXX XXXX before being transferred to Newrez. This all feels like a game and manipulation to me. It's a terrible shame that big mortgage companies treat their customers in such a manner. 

I would like to reiterate the reason I initiated a loan modification with XXXX XXXX. In XXXX of this year XXXX, I was diagnosed with XXXX XXXX XXXX XXXX XXXX... ( *I provided details in my original letter ). 

I would appreciate it if you would give me definitive answers as to why my loan modification hasn't been honored and when will it be implemented? I've never been late or behind with a mortgage payment in over 30 years and I would like to keep it that way and a loan modification would help me tremendously.
Product: Mortgage

I applied to refinance my rental property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) with Amerisave on XX/XX/XXXX. Amerisave is discriminating against me because I am XXXX XXXX. I filed a complaint on XX/XX/XXXX regarding them not giving me a date to close on my loan, and Amerisave had a guy name XXXX contact me to say they would expedite my file but they continued to say they need documents I had already provided to them months ago. It has been 14 weeks ( 3.5 monyhs ) since I applied to refinance and Amerisave keep saying they need information I had already given to them over and over again, as a delay tactic to not give me a closing date. Amerisave said they needed to verify my employment on XX/XX/XXXX and I told them my employer said they use the work number for employment verification which I told Anerisave ten days ago on XX/XX/XXXX. They are trying to act as if the work number is not an acceptable means to verify my employment, although XXXX XXXX and XXXX XXXX underwriting guidelines states the work number is acceptable. Amerisave is giving me the run around about why they have not given me a closing date yet, saying they are working to close on my loan although I have given them everything they have asked for the same day they requested it. I am XXXX american with over 750 credit score, income and my drbt tp income ratio is no issue, but this unethical company ( Amerisave ) is delaying my closing to tack on more fees since I qualified for a 2.25 % interest rate they do not want to give to me since I am not a XXXX  man. They are refusing to close and asking for same documents or information repeatedly. I need assistance and Amerisave needs to be investigated for these unfair and unjust practices. I asked in multiple emails to speak with a higher up but they wont provide the information after numerous requests. This is shameful. I have provided all information and more to close on my loan but Amerisave won't do it because I am XXXX and they want to charge me more fees than a XXXX  man due to my race. When I first applied I was approved immediately but once I disclosed my race everything was stayed and has been delayed every since I disclosed I am XXXX. This is truly shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX  XXXX  XXXX   allowed to be opened in my name as a result of identity theft. I have told XXXX  l, XXXX, and Equifax that the original account from XXXX was fraudulent and that the collection that XXXX placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, XXXX, and Equifax a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.