23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

During the XXXX payment pause, my bank records indicate I paid {$34000.00} toward my student loans and the money was dispersed across the following XXXX loans : XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$24000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$6400.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$13000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$20000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$15000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$5100.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$3100.00}. 

The XXXX loans disbursed in XXXX and XXXX were completely paid off during this time. I have contacted MOHELA by phone 4 times and by secure message 4 times between XX/XX/XXXX and XX/XX/XXXX to request a refund of my {$34000.00} in payments. I specifically requested a response, in writing, indicating that MOHELA requested a refund for all payments made on all XXXX loans. In response, MOHELA provided in writing that they are only acknowledging the XXXX open loans disbursed between XXXX and XXXX in the request. They have specifically omitted the XXXX loans I paid off. 

The XXXX loans disbursed in XXXX and XXXX that were paid off during the XXXX payment pause were paid off while my loans were serviced by XXXX. ( My loans were transferred to MOHELA in XX/XX/XXXX ). I contacted XXXX to request a refund from them, but they referred me to my current servicer MOHELA.
Product: Vehicle loan or lease

On my experience on XX/XX/22 was the worst experience I had when I went to this Dealership. I went in looking to purchase a vehicle I can use to get to and from work as a household necessity. I worked with a sales rep by the name of XXXX  at XXXX car sales in XXXX, AZ. I gave the company my SSN and they ran my credit and I was told to purchase a vehicle Santander is requiring I need to put down {$3000.00}. The company denied me a car loan unless I put money down. 15 USC 1662, Prohibits Downpayments on a car loan. Santander should already know this as the sales rep told me they are under truth in lending regulation Z, The transaction is a credit transaction and not cash so my finance charge should have covered my vehicle purchase under 15 usc 1605, finance charge sum of all charges. Santander USA was in violation of the Equal credit opportunity Act for denying me credit on a auto loan and requiring a down payment
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 {$75000.00} were borrowed from LoanMe and a bank draft was started in the amount of {$2400.00} for the passed twenty-five months. Thus far {$62000.00} has been paid and we called to find out our payoff amount and was told the payoff amount that we owe now is {$72000.00}. We did not expect these loan shark tactics and tried to reason with them. We believe it to be unfair after twenty-five months to have paid {$62000.00} and still owe {$72000.00}. The payoff amount is {$76000.00} seems to be illegal. 

This is putting an hardship on our family ; especially during this COVID-19 pandemic! We were told these people are very strong with powerful lawyers and will take everything we own. Can anyone help us? Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX 2. Account name : XXXX Account # XXXX 3. Account name : XXXX XXXX XXXX Account # XXXX These accounts have 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 account without my written instructions. 

15 U.S.C. 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer.report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

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

I contacted FSA about the amount I owe. 
I owe student loans {$87000.00}. 
My experian account says I owe that and another $ XXXX on a separate loan that isn't mine. It's saying I owe over $ XXXX now that this was added to my account. It stated that this loan was open on XXXX, I graduated in XXXX. I've already called and got the amount that I owe, which was the correct amount until I despited the school loans, because my school was shut down and they lied about how many loans I had. I was told in XXXX  that my loans were consolidated and they never were. So after the dispute, it went up over XXXX from a loan that isn't mine. I called federal student aid and they told me that isn't mine. I only owe {$87000.00}. That's it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian But they are repeatingly reporting false information that is not accurate on my credit report which is costing me to buy a home no action as been taken by the company to move the false information
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the U.S. Bankruptcy Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the U.S. Bankruptcy Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health.

FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect Bankruptcy Information : I insist on the permanent removal of all bankruptcy information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes.
Product: Debt collection

Synergetic Communications claims I owe XXXX to XXXX XXXX, XXXX of this debit is a fraudulent charge from XXXX OF XXXX on XXXX XXXX, I disputed the charge several times, I was given a provisional credit while in dispute and later told the credit is permanent as case was closed by an investigator. XXXX XXXX later turned around and reversed the credit, took it back out of my account. As stated in claims filed, I have not done business with XXXX OF XXXX, do not own a XXXX. The only proof provided by XXXX XXXX is a forged credit card authorization form, the signature on form is not mine. There are also several overdraft fees stemming from credit reversal, each in the amount of XXXX each. About 100 % of this debt, XXXX, is questionable due to fraud and overdraft fees stemming from it. Please advise Synergetic Communications I refuse to pay this debt and complaints were filed with XXXX XXXX about this matter, still unresolved.
Product: Debt collection

This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my XXXX  XXXX XXXX Balance : {$1400.00}. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue previously. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.
Product: Mortgage

On XXXX XXXX my XXXX, XXXX XXXX XXXX XXXX, purchased a house at XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX. I used Recovco Mortgage Management , LLC d/b/a Sprout as my lender. There was a construction hold back in the amount of {$630000.00} for the purpose of rehabbing of the house. On XX/XX/2020 I submitted my first initial draw request for work that had been completed and now due for reimbursement. I received a wire transfer in the amount of {$9900.00} which was minus my first house payment of {$2900.00} that was taken out without my authorization. After the 3rd time of trying to get reimburse for monies I spent on the project which was taking over a month, I decided to finish the project myself. 

After I finished my project and had my son living there until I got it refinanced, I received this message from XXXX XXXX a reprehensive for Sprout Mortgage, " XXXX, Management is not releasing the remaining rehab funds since the property is rented out. That is in violation of the papers you signed at closing ''. 
Please send in payments for the outstanding interest owed and let us know how the refinance is coming along. When do you anticipate it closing? 
There is nothing that states I couldn't allow my son stay there until I sale or refi my property.
Product: Checking or savings account

A hold on membership with Navy Federal Credit after opening both a membership saving and checking account on XX/XX/2017. Until today, I was not aware that my identity theft crisis for the last three years involved my name and identity on reports from CFPB and XXXX XXXX XXXX
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access. 
Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information. 
I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this. 
I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.
Product: Vehicle loan or lease

Company did not return money paid on the loan after the insurance company paid off the loan. In excess of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX Card. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. 

Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.
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 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 ( Experian ), and XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ] PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear [ XXXX XXXX XXXX or " To Whom It May Concern '' ], I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim.

Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA.

Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone Number XXXX email : XXXX I move out at the end of my lease given a 60 day notice to vacate.
Product: Debt collection

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

XXXX equity advertised 12 % return on money invested with them if held for 1 year. I agreed to invest the min amount of {$10000.00} ( XX/XX/2021 ) then later another {$10000.00} ( XX/XX/2021 ). The company was serve a cease and desist. They promised to return my investment but disappeared and never responded via phone or email. The company scammed me of {$20000.00} and i transferred the money to them through my Chase Bank account
Product: Credit reporting or other personal consumer reports

I have received several data breaches of my personal information. These data breaches have accounts that are not mines and never was, but to no avail it's still on my credit reports as a charge off. I didn't receive a 1099 for the charge off, i have several different addresses listed. I have charges that are not mines, such as XXXX XXXX XXXX, XXXX XXXX XXXX, student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that was foreclosed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed 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 XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Credit reporting or other personal consumer reports

In XX/XX/XXXX I file a dispute about the accuracy of my report. I requested Experian 's verification process a method when reporting information on a credit report. I got an email saying their investigation was complete and verified with no specific facts about the verification. My dispute was closed and they continue to report inaccurate information. I filed another dispute XX/XX/XXXX hoping to get a human being.