23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now  since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?
Product: Debt collection

This person from Diversified Consultants claimed that I owed about {$150.00} to XXXX. I don't have a XXXX Account. He claimed I had opened an account using my social security number and that if I don't pay the bill, that I don't owe, he said it would ruin my credit record. I have blocked the phone number from my cell phone. I called the number back and that is where I got the name " Diversified Consultants. '' The phone number is XXXX. I assume this is fraud and would like them stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late 30/60days on this CAPITAL ONE BANK USA N account. Please update my account to current.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


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 : {$0.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} CAP XXXX NA XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX ; XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX. North Carolina XXXX XXXX XXXX COLUMBIA DEBT RECOVERY/ DBA GENESIS Attn : Collections Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Subject : Request for Chain of Assignment for Alleged Debt Dear Sir/Madam, I am writing to request that COLUMBIA DEBT RECOVERY/ DBA GENESIS provide a full and complete chain of assignment for the alleged debt you claim I owe. I believe that you may be attempting to collect on a debt that has been assigned or sold to your company, and I am requesting verification of the ownership and assignment of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In particular, I am requesting that you provide me with the following documentation : The full chain of assignment showing the history of ownership of this alleged debt, from the original creditor to your company. 
The original signed agreement or contract that identifies me as the debtor. 
Any documents or records that confirm your legal right to collect the debt on behalf of the current owner. 
As you are aware, under the FDCPA, you are required to provide proof of your right to collect the debt when requested. I ask that you provide the requested information in writing within 30 days of receiving this letter. 

Failure to provide a complete chain of assignment or any supporting documentation within the statutory timeframe will result in a formal dispute of the debt, and I may consider further legal action to protect my rights.

Please ensure that all future communication regarding this matter is sent in writing to the address listed above. 

Thank you for your attention to this request. I look forward to receiving the requested information within the required timeframe. 

Sincerely, XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX  Accounts # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I opened a Chase Freedom Unlimited Credit card recently. Before opening this card, I have an XXXX XXXX XXXX credit card. 

Before opening the Chase credit card, my credit score was XXXX ( by XXXX  ). Somehow, after opening the Chase credit card, my credit score dropped to XXXX. I was never late on a payment and never checked on my credit score. 

I have no idea why my credit score dropped so much. It seems absurd. 

Please email me at XXXX if you need more information. Thank you so much for your time and effort.
Product: Debt collection

I have tried numerous times to dispute a debt owed to XXXX XXXX by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called XXXX XXXX XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXX Florida since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account on my report. I have never had an account with the original creditor. Somehow an account that doesn't exist has gone to collections. I have asked Experian to verify the account. This last time I asked for additional information such as any shred of evidence of the collection. They responded by " completing the dispute '', followed by a horrible display of the end result ( with zero additional information ). They have previously asked for evidence that I paid off the collection, which is quite difficult when I don't have any account that I owe money on. It's like talking to a wall.
Product: Credit reporting or other personal consumer reports

My Affirm account was disputed and is negatively reporting as unpaid on my consumer report with XXXX. XXXX and Affirm did not correct my account. They did not update my payment history or payment status as paid to my consumer report file. My account is paid in full but is reflecting a 60 day past due balance of {$81.00} for XXXX last recent payment with Affirm was on XX/XX/XXXX in the amount of {$30.00} and {$51.00}, which satisfied my payment obligations under my Affirm contract. This information is not current on the consumer report but is reflecting a payment from XX/XX/XXXX in the amount of {$41.00}. Also, my payment history is reflecting 14 months instead of 12 months as outlined in my Affirm loan contract. The negative reporting of the payments history from XX/XX/XXXX thru XX/XX/XXXX is incorrect. Also, my account is supposed to go into a positive history XXXX/XXXX although it has been XXXX percent paid off as of XX/XX/XXXX. 
There are serious violations of the FDCPA, California consumer laws violations and XXXX XXXX violations associated with this account such as the followings : FDCPA Violations ( 15 U.S.C. 1692 ) Misrepresentation of the Debt Reporting a balance of {$81.00} past due for XX/XX/XXXX when the account is fully paid off is a deceptive practice. This violates 1692e ( 2 ), which prohibits false or misleading representations about the amount or legal status of a debt.

Unfair Practices ( 1692f ) Continuing to report a balance and negative payment history when the account has been paid in full is considered an unfair and unconscionable collection practice. 

XXXX XXXX Compliance Violations Payment Status XXXX XXXX guidelines require that once an account is fully paid, the payment status must be updated to " Paid in Full '' or " Closed. '' Failing to do so is a breach of XXXX XXXX reporting standards. 
Payment History Timeline Reporting 14 months of negative payment history instead of the agreed-upon 12 months violates the guidelines for accuracy and consistency. XXXX XXXX requires historical information to be reported precisely according to contract terms. 
Current Balance The XXXX XXXX standard for reporting closed accounts requires the balance to be updated to {$0.00} when fully paid. Reporting {$81.00} as past due violates this requirement.

Timely Reporting of Positive Status XXXX XXXX mandates that future statuses or changes to the account ( e.g., transitioning into positive history by XXXX/XXXX ) be reflected accurately and on time. 

California Consumer Laws California XXXX Fair Debt Collection Practices Act ( California Civil Code 1788 ) California law prohibits misrepresenting a debt 's status. Reporting the account as past due after payment violates California consumer protection laws.

California Consumer Privacy Act ( CCPA ) Failing to ensure accurate reporting and securely manage your payment data could result in a violation of your privacy rights.
Product: Credit card or prepaid card

I believe the company is possibly involved in an unfair and illegal practices when it comes to consumer credit cards. I was sent a pre-approval from Chase due to my excellent credit, which I accepted. After completing the application, I was informed that I was approved for a $ XXXX credit limit. After receiving the physical card in the mail, I created my online account and discovered that the card shows as " closed ''. I called Chase customer service department to inquire as to the reason. After being transferred numerous times, and speaking to numerous associates, I was finally advised that the card has been closed due to the bank 's discretion and that I my credit history does n't meet the chase preferred credit card requirements. This upset me as I was just approved 4-5 days earlier and had not even had a chance to use the card. If there was something in my credit history to condone closing of the card, this should have been done in the 1st place and the application should have been not approved/declined. Now Chase card appears on all of my credit bureau accounts as a closed card by the creditor. It is my understanding that its an illegal practice, much like what XXXX XXXX has been doing and has been fined by the US government. Chase bank approved my application, their associate received the credit for it, and now 4 days later they are closing the card and impacting me credit history negatively.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payment reporting on my credit report from XXXX for my account with WELLS FARGO AUTO. My report incorrectly states that I was late in XX/XX/year> and XX/XX/year>, but this is inaccurate. I have already disputed this directly with XXXX, but they have failed to correct the issue despite the evidence provided. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have only accurate information on my credit file. 

I request that the CFPB investigate and ensure XXXX corrects this information, updating my account to reflect a current and positive status. I have attached supporting documents, including my dispute letter.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX  - XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; CXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I've started my administration process with Discover Bank. First I sent a debt validation letter and a cease and desist. They did not provide proper information for validation of debt and committed many violations under the Fair Debt Collection Practices Act. I noted all of these violations in a Affidavit of Truth with the exhibits to present the facts of these violations. A Debt Collector is suing me claiming to be representing Discover Bank and stating the claims were initiated by DiscoverBank. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt.
Product: Debt collection

Contact me saying they know my credit is important they want to help but they continue to report inaccurate information and they claim they investigated Sec 606 ; 15 U.S.C 1681b they did not.
Product: Credit reporting or other personal consumer reports

I recently contacted Equifax to request the removal of several inquiries from my credit report, which were the result of identity theft. Unfortunately, these inquiries were reinstated within hours, with the explanation that they would remain on my report for XXXX years. I am concerned that a thorough investigation into these disputed entries was not conducted. 

This situation is unacceptable. I urge you to conduct a detailed investigation and remove these unauthorized inquiries as they are adversely affecting my credit score.
Product: Checking or savings account

We received a letter in the mail of a data breech from XXXX XXXX in the name of our daughter XXXX XXXX saying that personal information which could include social security numbers, phone numbers, addresses, etc. was taken by cyber criminals. A few weeks later, my debit card was locked from the bank after a suspicious transaction had occurred on it. My husband and I went to the Huntington bank XXXX XXXX XXXX XXXX in XXXX on Thursday, XX/XX/XXXX and opened all new banks accounts. While we were at the bank, we noticed that someone had hacked into our online banking and setup their phone number as one of the numbers on our account and had listed a fake email ( XXXX ) as an email for our account. We had XXXX delete that phone number and email from our online banking. On XX/XX/XXXX, I got a text message from our bank asking if I used my card ending in XXXX at XXXX XXXX for {$1800.00}. I don't have a card number ending in that number so I said no and they stopped that transaction. I googled XXXX XXXX and it's a liquor store in XXXX, Michigan. Also, on Saturday XX/XX/XXXX we noticed that there was a pending transaction for {$9600.00} from one of our bank accounts. We called XXXX but they couldn't tell us much since it was Saturday. My husband went to the Huntington bank in XXXX, OH on Monday, XX/XX/XXXX and the banker told him that someone went to the XXXX in XXXX XXXX, Michigan and was able to make that {$9600.00} withdrawal on XX/XX/XXXX. They did not check their ID and said that they compared signatures but I don't believe that to be true. My signature and hand writing do not match the withdrawal slip. I have a picture of the withdrawal slip from the bank in Michigan that I can share as well. The bank in Michigan said they would to start an investigation, but we havent received anymore updates or a refund or our money. I feel like the bank should have done more to protect our accounts especially since it was a very large withdrawal in a whole different state that the one we live in.
Product: Debt collection

I have no knowledge of AFNI debt and I would like it removed as it 's reporting to the XXXX and negatively affecting me
Product: Debt collection

I opened up an account with XXXX XXXX cell service for service for my son and myself. I had the account for approximately 2 months when I got a phone call from the company stating that they had lost their roaming partners in the area I was working in. The company restricted my phone service in that area and told me that they needed to cancel my contract and that I needed to turn my phones back in. I followed these instructions, turning phones in to the store in XXXX, XXXX. Now the company is saying that I owe them XXXX for services and equipment which is false, they made harassing phone calls and false accusations and then placed this false record on my credit report. I am not sure how to fix this problem but it is an unfair practice since they cancelled my account I should not be held liable for any contractual fees. 
Thank you, XXXX XXXX XXXX
Product: Student loan

I am a XXXX XXXX who has met the requirements of Public Service Loan Forgiveness. Mohela is my loan service provider. I reached the required 120 payments in XXXX of XXXX. My application for forgiveness shows as " processed '' in XXXX of XXXX. I called and spoke to numerous Mohela representatives and was told multiple times that I qualified for forgiveness and that there was nothing else I needed to do. I specifically asked them at least twice if I was clear to leave XXXX XXXX at the end of this school year since I have satisfied all requirements for PSLF and was told yes. There has been no update on my account since XXXX. I have called again, numerous times to Mohela, to be told that they are waiting on Fed Loan Servicing to send the approval to them and that there is no one to contact to see where my application is on their timeline. I find this very unprofessional. There is no one that can tell me where my account is in the process of being updated and loans forgiven? Yet Mohela told me numerous times I was good to leave XXXX XXXX? I declined my employment contract this year based on FALSE information from Mohela. Now I am told that I must be employed by a qualifying employer at the time of forgiveness or else I have to start the whole process over. That is insane. My last day of employment is XX/XX/XXXX. I am praying and hoping that someone here can help expedite this process given that I followed all procedures correctly on my end, but was given FALSE information from Mohela. I appreciate any help you give in this matter.
Product: Debt collection

they are calling me after over 6 yrs has passed and claim to be sending a process server to my home because they are claiming I committed fraud.