23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been attempting to get a partial cancelation for my XXXX loan through University Accounting Services ( UAS ). 

In XXXX of XXXX, I first learned about the partial cancelation program through the University of XXXX XXXX , where this loan was first issued. At this time, I mailed the correct documents to UAS using the form and address provided by their website. 

A year later ( XXXX XXXX ), I still had not received any information regarding partial cancelation. My payments also resumed, despite the fact that the partial cancelation also allows me to apply for a deferment of payments while I am working in a XXXX XXXX XXXX. At this time, I contacted UAS again and was told I mailed the documents to the wrong address. I was provided a new address by the UAS representative. The address I was given was also listed on the partial cancelation form, which is found on the UAS website. I sent my documents again, this time using USPS certified mail. 

When I noticed my form had still not been delivered, I contacted UAS on XX/XX/XXXX. When I spoke to the representative, I was told that the address was wrong and I should have mailed it to an address in Delaware. I was assured by the representative that my form would be forwarded to the Delaware address. During this call, I also asked if I could submit paperwork for previous employment since I had qualifying employment prior to learning about the partial cancelation. I was not given a straight answer. 

On XX/XX/XXXX, I received an email from UAS employee XXXX XXXX who informed me that " your cancelation documents will be forwarded to the new UAS mailing address. '' However, on XX/XX/XXXX, I received my cancelation form back at my home address. On the envelop, the " Return to Sender '' label was dated on XX/XX/XXXX, the date XXXX emailed me. 

As of XX/XX/XXXX, the partial cancelation form on the UAS website still lists the incorrect Texas address. 

This process has been ongoing for over a year now.
Product: Vehicle loan or lease

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN, XXXX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts.1. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
* The inquiry was not authorized * XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX *. Unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX SC XXXX *Unauthorized inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Former : XXXX, XXXX, XXXX Former : XXXX, XXXX, XXXX Former : XXXX XXXX * Account XXXX XXXX XXXX  # Account Number XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX
Product: Vehicle loan or lease

In the Fall of 2016 my car was repossessed due to late payments on my behalf from a friend 's house that I was staying at. At the time I was not able to afford the high interest on the car and the high payment of {$490.00}. I decided to let the car go and proceeded to get my belongings out of the vehicle. Upon arriving on the place where my car was secretly held, ( they did not let me know the location of the car until the day of collecting my items ), I noticed that some of the items in my car were missing from the vehicle. I asked the place who repossessed the car where these items were and I also asked XXXX XXXX but they both gave me no answer. Years later I have found myself financially stable so I gave them a call about possibly doing an arrangement for a pay for delete. They told me that it would not be removed from my credit until I paid the {$11000.00} in full within 24 months or I paid half of the amount off in one lump sum payment. I asked could I start to making payments on it, and he said I could but it would not be removed from my credit nor would the balance move until it would be paid in full. I was never sent any information of the car being sold nor the amount that they said I had left to pay. I called again today and they had the wrong address on file. The account # is XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted a " tattoo artist '' to complete some work for me, the artist said that he would gladly help me, but that I needed to send 50 percent of the cost of the tattoo to him as a " deposit ''. Total cost of the tattoo was going to be {$600.00}. He suggested that I send increments of money because of " past scam issues '' he has had in the past. From there I sent {$50.00} via XXXX XXXX. and he suggested that I send the rest via AXXXX XXXX ( XXXX XXXX ), I sent {$250.00} on XXXX XXXX, The artist then texted me the day before the appointment ( which was scheduled for XX/XX/XXXX at XXXX ) and asked me to send the rest of the payment because he " needed it to pay his rent '' not thinking twice I went ahead and sent {$270.00} XXXX XXXX. On the day of the appointment I drove my car to the provided address ( pictures will show attached ). Called the Artist phone and texted to let him know I had arrived, I received no response, I had been blocked via cell phone and via social media, that Is when I knew I was being scammed. I then attempted to contact CHASE BANK claims department, to have this issue resolved and realized they are closed on Sundays, I was told to try again the next day for help. I contacted chase That Monday, provided them all of this information and I even let them know, that I had pictures for evidence if needed! ( which they declined to take ) Chase then submitted my claim on XX/XX/XXXX, reversed the translations! and told me if they needed if anything else they would contact me ( WHICH THEY DID NOT ). I was then emailed on XX/XX/2021 that my claims decision had been made, and that CHASE is now deciding that my claim was going to be denied and that I would have to pay back the money credited to me by XX/XX/XXXX! Can someone please help me on this issue.
Product: Credit card

XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Account and Past Due Balance To : XXXX XXXX XXXX XXXX Equifax I am writing to formally dispute a past due payment of {$530.00} associated with a XXXX XXXX credit card account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with identitytheft.org and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Product: Debt collection

XX/XX/XXXXaccount was closed due to lack of services from XXXX XXXX. I had no reception even when it was not raining. They were never able to correct the problem. I closed the account but they charged me for closing the account. My monthly payments were always paid even though I never had acceptable TV service. I am disputing this closing fee since I had to get service from another company because XXXX could not provide it.
Product: Credit card

I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.
Product: Credit card or prepaid card

There as a fraudulent charge made on my card on XX/XX/XXXX of {$790.00}. Comenity bank refuses to answer the phones. I have waited on hold for over an hour even after being told to wait to speak to an agent.
Product: Debt collection

I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Included below are other accounts that were not opened by me.
Product: Debt collection

On XX/XX/2015, a account was opened in my name with the company named Ginnys/Colony XXXX I never opened or ordered anything from them and believe it was my ex spouse that opened it in my name.
Product: Credit card or prepaid card

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXX, XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

Somebody steeling my identity, even I pass the same thing whit te IRS is hold my tax return because a company try to take the money and now whit this collection say the I own {$800.00} in credit card and how I own that money if my credit score is lower a credit card approve me just {$300.00}, how is {$800.00} is not me, that say happen in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid off a loan from XXXX XXXX XXXX. I paid the loan off completely and in full. They are currently reporting this as a settlement, which is a deliberate and malicious statement. This loan is the result of cross-collateralization, basically strong-arm tactics. I was very vocal about their unethical business practices, and noW that I piad them off, they are deliberately reporting this gross inaccurate information.
Product: Credit reporting

It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from Equifax that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
Product: Student loan

Around XX/XX/XXXX my husband had to take a pay cut, we applied for assistance it was granted XXXX XXXX  but not made aware of the interest that would build up during the hardship. XX/XX/XXXX I being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was injured and have not been able to work since XX/XX/XXXX due to XXXX XXXX and now facing XXXX. XXXX XXXX was made aware. The amount showing we owe is unbelievable, we let them know about our extreme hardship only to be misinformed and ignored.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I want to put a complaint in about XXXX. They called me with an offer to tansfer my high rate cards for a lower interesr rate.Aman describing himself as XXXX XXXX gave me the offer then transferred me to a person who identified himself as XXXX XXXX.I thought it sounded like a good deal, but then they told me it would cost me over $ XXXX.I told them I could n't afford that so they then offered an amount of $ XXXX.I then agreed to take the offer. The next morning I had second thoughts because it sounded like a scam so I called them back and told them I wanted to cancel the offer, but days later I received a check in the amount from my bank charge card account.The money was credited to my bank charge card and they in return sent me a check for $ XXXX.XXXX XXXX  XXXX is the company my bank charge card comes from. I spent hours and hours at my bank trying to figure out where to send the money to whomever it came from, but XXXX would not take it.I 've spoken many times to XXXX trying to find out whose money it was. They wanted to know how much it was but I refused to tell them because I di n't trust them.I now get statements from XXXX saying I owe them the money but it was not my right spelled name on the statement and it was an account number I do n't have.They said they would continue to bill me until I payed them {$4000.00}. They have the account number ending in XXXX which I do n't have.Please help me! I dont know what to do!..