23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fed Loan Servicing has been deceptive and unfair in managing my account. I have made diligent payments to my loans on the Income Based Repayment Plan for over 5 years -- I have never once missed a payment. I recently received notice that my income has surpassed the amount to qualify for reduced payments under the plan. I called in to ask questions about my options on XX/XX/XXXX and spoke with an agent named XXXX. She told me that I qualified for another program that would reduce my monthly payment and on the phone, led me through the screens to have my payments reduced. She did not explain to me what the consequences would be in terms of having my interest capitalized and also the differences between the IBR plan that I was currently on and the plan that I would be changed to. Instead of explaining the consequences, ( Namely, interest capitalization, my payments being determined by a larger portion of my " discretionary income '', the changes between the plans in terms of marriage and family size, and the change in the maximum standard payment under the different plans ), she had me click through screens without my knowledge of what was being done and in this process, committed an act of omission. I called in when I saw the interest capitalization and had then started doing more research. What I found was that the plan I had been on was a much more beneficial plan and even though I am currently over the income floor, I still would have a maximum payment that is much lower and I could in the future requalify if my family size or income changes. I spoke with multiple agents, supervisors and managers, ( I have names and numbers ), on XX/XX/XXXX and XXXX and requested that the action taken on my account on XX/XX/XXXX be reversed. This action was refused. I was not allowed an audio recording of the original phone call and the agents apologized but would not reinstate my previous plan, leaving me on a plan that is not in my best interest.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to you today as I find myself in a rather distressing situation with Early Warning Services , LLC, and I am in dire need of your assistance. 

For quite some time now, I have been tirelessly trying to access my credit report from Early Warning Services a task that, surprisingly, has proven to be more challenging than I ever anticipated. Despite my best efforts in following every procedure they laid out and providing all necessary documents, my requests have been consistently turned down without a justifiable reason. This experience has been quite disheartening and, honestly, a bit alarming. 

Under the Fair Credit Reporting Act, specifically Section 609 ( 15 U.S.C. 1681g ), it's my understanding that I'm entitled to view my credit report upon request. But the continued denial from Early Warning Services has left me in a troubling predicament. Not only am I unable to monitor my REPORT, but I'm also deeply concerned about the possibility of identity theft or errors in my report a fear that only grows with each passing day of non-compliance from their end. 

What's more, their inability to confirm my identity, despite me providing ample proof, raises a red flag about the accuracy of their data. This situation is not just about accessing a report ; it's about ensuring the integrity of my personal information. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I should be able to challenge any inaccuracies, but without access to my report, I'm left in the dark, unable to defend my financial reputation. 

I've reached out to Early Warning Services multiple times, hoping for a cooperative resolution, but my efforts have been met with silence. This lack of response has left me with no choice but to seek your intervention. I am deeply concerned that there might be incorrect or even fraudulent information under my name that could adversely affect my financial stability.
Product: Checking or savings account

After reviewing my Chexsystem and XXXX  account, I noticed accounts that were not familiar to me. The accounts have the same account numbers but different Date of Closure. I sent a validation letter to Chexsystems requesting the listed accounts and have yet to receive any information that justifies the reporting of these accounts on my XXXX  report. Please find a list of accounts below and validation letter sent attached. 


XXXX XXXX  ; ACCOUNT # XXXX XXXX XXXX  ; ACCOUNT XXXX
Product: Student loan

I have an {$85000.00} private student loan from Navient, but at the of the application in XXXX, it was called Sallie Mae. The loan had started out at around {$40000.00} and has grown so much. I have not received any communication about my loan being canceled from Navient 's big lawsuit in XXXX. My main issue is that I have a co-signer and need to remove them but Navient makes it very difficult. From XXXX, I made 12 on-time payments of about {$1000.00}. This was one of the requirements to remove my co-signer from my loan.
Product: Credit reporting

Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error.
Product: Credit reporting or other personal consumer reports

Disputed items on XXXX as of XXXX only XXXX changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the inaccuracies on my credit report with Transunion several times and have disputed the information. I receive correspondence saying account for Americollect for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with Transunion for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.
Product: Student loan

On XX/XX/2023, I submitted all required documents, including my XXXX application, to MOHELA. However, my documents were rejected on XX/XX/2023 without a clear explanation. In response to the rejection, I promptly submitted updated documentation to address any concerns raised by MOHELA. Despite my efforts, I have not received any communication or acknowledgment from MOHELA regarding the status of this updated submission. The lack of communication and transparency from MOHELA has left me in a precarious situation, as I am committed to complying with the XXXX program requirements in good faith. MOHELA 's lack of care when it comes to this situation ( long phone waits ) and seek clarification have proven fruitless, exacerbating the stress and uncertainty surrounding my financial obligations.
Product: Credit reporting or other personal consumer reports

My lease which has started on XX/XX/year> has disappeared from my credit report in XX/XX/year> and has not shown up since. Ive checked all credit bureaus : XXXX, XXXX, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.
Product: Checking or savings account

I am writing to address a distressing situation that has transpired concerning my Chase Bank account. In XXXX of 2021, I deposited a check into my Chase Bank account. Although the funds were placed on hold initially, they were subsequently released in XXXX  2021. However, upon attempting to use my debit card, I encountered difficulties and was informed at a branch that my account had been restricted. 

Since then, I have been diligently attempting to have Chase Bank release my funds. It has come to my attention that not only was the deposited check legitimate, but the funds were utilized to clear a negative balance within my account. Despite this, the remaining funds were not released, and my account was ultimately closed. 

This situation has caused considerable financial strain and undue hardship, as the funds rightfully belonging to me have not been made available despite repeated efforts to resolve the matter.
Product: Debt collection

I received a notice of debt collection through XXXX. I contacted the account holder, Transworld Systems. They told me that the debt was for an account with XXXX  XXXX XXXX in the amount of {$1500.00}. Service for this account ended in XX/XX/2023. I informed them that I have never lived in XXXX  or at the address they provided to me. They told me I would need file a police report for identity theft. I have done that and have a case number I can provide. I have also submitted a dispute with XXXX on the collections report.
Product: Checking or savings account

I had XXXX charges that were unauthorized from the exact same place at the exact same time and only XXXX was denied and another approved. I had lost my card and reported it then next day as lost and stolen once i saw the charges. Cashapp denied XXXX charge for {$270.00} that was a resteraunt/hotel that did not require a pin. A charge was then made immediately after for {$20.00} for parking at the exact same hotel on the exact same day at the exact same time and that one was approved as fraudulent. We have XXXX charges from same place, date, and time, but only XXXX was accepted as fraudulent while other was denied. These were charges from the same place by the same unauthorized person so how can cashapp admit fault for XXXX charge but then not for the other simply because it was a larger charge? This is blatantly not me, by cashapps own admittance. I will have to get legal representation if needs be.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX  [ XXXX XXXX ] is falsely alleging debt of {$530.00}, when XXXXXXXX XXXX account closed with {$0.00} ( XXXX ) balance. XXXX [ XXXX XXXX ] is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX [ XXXX XXXX ] has allowed XXXX to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing 0 Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof
Product: Mortgage

I just received their response dated XX/XX/2024 ( apparently lost in the mailing ) as to my complaint filed XXXX XXXXXXXX. Wellsfargo was not telling the truth when they stated in this letter that the contractor did not have to break into my security door to make entrance, they broke the door open forcing my secure still storm door that need a key to enter. Wellsfargo lied saying they reached out to me about property vacancy, instead Wellsfargo constantly put notices on my home door, didn't secure nothing, left food wrappings trying to force out through XXXX and XXXX with my neighbors. I've stated to wellsfargo i been at my home that i love and plan to stay in my home that i lived in for 18 years. ( 2 ) on page 2/3 in Wellsfargo response here, they state they respectfully decline my request to see my Original loan documentations, basically saying that, my request seek documentation beyond what is " directly related " to the servicing of my mortgage loan, this response by Wellsfargo, gives me the XXXX XXXX in their written response. My discrimination concerns were lied about, Wellsfargo has admitted to discrimination by paying miserly dollar amounts to thousands of mortgage loan consumers as myself, not admitting but logic facts concluded in their willingness to pay money out in compensation. My credit scores in comparison to others with same was effected by my zip code of the property during my purchase time I now know was in relationship and XXXX of my XXXX  I have a right to see in my Original Loan documents at a wellsfargo service Location, i don't agree with these lies in the letter i just reviewed.
Product: Mortgage

Fifth Third Bank sent out refy application XXXX XXXX. Started refy application, filled out packet sent back XXXX. Was sent email asking for information thru XXXX. Had delays because of Virus lock down, XX/XX/2020 asked for additional information. XX/XX/XXXX, emailed again, asking for same info.XXXX XXXX, XXXX XXXX called saying he could not find emails. Resent next day saying please contact to let us know you received info. Have not heard back since. Left messages on his phone everyday since, no reply. Asked XXXX XXXX, original contact to mail us the Home appraisal which we payed for up front. No answer either. Found Manager of refy left 12 messages on his voice mail, no return call. No one has returned a call, this is my only way to go now. Thank You for time XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis has an open Case XXXX XXXXXXXX I received notice of a substantial premium increase ( more than doubled ) from my current automobile insurer. This is a new ( to me ) policy ; I was with my previous insurer for XXXX years and left over a mishandled claim. The premium increase led me to investigate and I was told that there is incorrect information being reported about me in the LexisNexis database CLUE ( Comprehensive Loss Underwriting Exchange ) which is affecting my rates. 

It has taken me almost 2 weeks to get the report from LexisNexis and it is XXXX pages which are FILLED with errors. Addresses, phone numbers, email addresses and names I have never used - but the worst part is that the information about my insurance policies is wildly inaccurate. They are showing drivers who are not on my policy as primary, and showing me as excluded. There is an insurance policy showing with a company I have never heard of and definitely never did business with. The information about my new carrier is jumbled so that even though I know what it is supposed to be, I can't figure out what they are saying. The section showing claims is just ridiculous. My last accident was in XXXX  when I was XXXX XXXX XXXX XXXX and foolishly agreed to let him pay for the damage out-of-pocket because he was such a nice guy and I felt bad for him. Live and learn. The car lost value because it was in an accident and the claim that was never supposed to be on my policy in the first place has haunted me even though it supposedly would only be reported for 7 years. There are XXXX pages in the XXXX page LexisNexis report devoted to similar inaccuracies which are clearly harming me.
Product: Debt collection

A collection company by the name of Portfolio recovery brought a alleged debt from XXXX bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and fraudulent accounts appear on my report
Product: Credit card or prepaid card

Call get to computer operator and no ability to get to actual person and no way to cancel card. also does not update to credit timely or accurately.

Paid bill two months ago and keep reverseing the fee, causing my credit to take negative effects from prolong credit usage rate.
Product: Debt collection

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one new collection account showed up on my credit report, an alleged collection name PHOENIX FINANCIAL SERVICES, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from the 3 BUREUAS CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX   XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Product: Credit reporting

Experian send out a new report this time they add middle Ination I Never Had One.First it was my address now it read XXXX Can They Please Have My Correct Name And Address XXXX OR. XXXX Thank You.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

15 U.S.C. 16815-2 ( 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX Gas violated my Rights 15U.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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX Original Creditor : XXXX ) Account number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.