23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying for about a year to get credit for the last 5 years of payments toward Public loan forgiveness program. i have been a XXXX at a XXXX  high school for the last XXXX years. The prior service providers have also had a hand in denying my right to use the Public Forgiveness Program. It started with lies from XXXX XXXX that I did not qualify and could not qualify for the forgiveness program. XXXX XXXX was the next great hurdle ; as they refused to speak to me about the forgiveness program. I was forced to hire a company for {$600.00} dollars to get the paperwork to move into the forgiveness program. It was amazing how XXXX XXXX drug their feet and stop speaking to me and my wife after hiring this company. 

Even after complaining to the Attorney general for the State of XXXX I have only been given credit for 2o months. 

I am willing to provide the full email train of emails with the XXXX Attorney General 's office, if you want the emails. i have several documents that i intend to attach to this complaint. i have not asked for any deferments during the last XXXX years - I have made a payment each and every month as shown by FedLoan 's own records. 

I have presented Fed Loan with Public Service Forgiveness Employment Certification for all employers from XXXX to XXXXt. They have my SSN on them so i do not wish to present them as attachments to this complaint at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus Transunion and XXXX multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.
Product: Credit card or prepaid card

On my Lowes credit card, I was inaccurately charged {$110.00} and {$78.00} interest on purchases that were returned and/or never delivered in XXXX and XXXX 2019. XXXX, an on-line supervisor, indicated on XXXX19 that the credits would be posted to my account within 1-2 billing cycles or within 60 days. The credits have not been issued.
Product: Debt collection

On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ITS WAS OPENED XX/XX/year> BY A XXXX EMPLOYEE AT XXXX XXXX IN XXXX GA. XXXX XXXX KNOWS THIS ACCOUNT IS FRAUD BUT A PEROSN NAMED XXXX KEEPS SAYING ITS NOT. I FILED LEGAL ACTIONS AGAINST XXXX AND XXXX LEGAL TEAM WAS SERVED AND NEVER CAME TO COURT SO A JUDGEMENT WAS PLACED AGAINST XXXX CREDIT, NOW I FILED A LAWSUIT AGAINST XXXX ID THEFT TEAM AS TRADE LINE FRAUD AND REP IN THE ID DEPARTMENT XXXX FOR TRYING TO DO FINANCIAL RUINS. EQUIFAX HAS SO MUCH DOCUMENTS SUPPORTING THIS ACCOUNT IS FRAUD AND STILL ALLOWING XXXX TO PLACE THIS ACCOUNT BACK ON MY CREDIT FILE AND NOT LOOKING INTO THE FRAUD THAT XXXX XXXX XXXX XXXX IS ACTING DOING. I WILL FILE LEGAL ACTIONS AGAINST EQUIFAX IF THIS ACCOUNT IS NOT TAKEN DOWN AND DOWN WERE IT CAN NOT APPEAR ON MY EQUIFAX TRADE LINE EVER AGAIN. I HAVE ATTACHED SOME MANY POLICE REPORT AND UNDATED POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT XXXX AND THEY STILL ALLOW THEM TO PLACE IT BACK ON MY CREDIT FILE. IM NOW LOSING MY HOUSE DUE TO MY BANK IS CALLING THE LOAN IN BECAUSE OF THIS XXXX ACCOUNT THATS NOT EVEN MINE. NOW IF I LOSE MY HOUSE BECAUSE OF A LOAN THATS FRAUD AND EQUIFAX CLEARLY HAS THE RIGHT DOC TO PERM BLOCK THIS ACCOUNT I WILL FILE LAWSUIT AGAINST EQUIFAX. I SUED XXXX AND WON AND THEY WILL NEVER REPORT THIS ACCOUNT AND ITS PERM BLOCKED. PLEASE REMOVE AND BLOCK THIS ACCOUNT
Product: Debt collection

In XXXX XX/XX/2014, I changed my landline service from XXXX XXXX XXXX to another provider and paid the landline bill in full. 

Since that time, I have continued to be plagued by collection notices from XXXX XXXX XXXX XXXX and Franklin Collections, saying I owe for that account. 

Each time, XXXX XXXX XXXX says there is a XXXX balance. Sometimes they bounce me around to wireless accounts ( where my cell services still resides ) but that is current so irrelevant. 

XXXX XXXX XXXX refuses to provide me with anything in writing showing the account is satisfied. 

The debt collectors are relentless, sending mail notices, calling, hounding. 

My identity has been compromised by having this information sent to these sleezebags. 

My credit is at risk unless I pay $ XXXX+ per contact that I do not owe. 

Please help.
Product: Debt collection

On XX/XX/XXXX I received a letter from Credit Bureau Associates of Georgia ( CBA ) dated XXXX XX/XX/XXXX. This was for a medical service for XX/XX/XXXX. The letter states to notify the office within 30 days ( XX/XX/XXXX ) to dispute the validity of this debt of {$110.00}. 

That same day after receiving the letter from CBA I paid the original creditor the {$110.00} and received a receipt from the original creditor were I received medical service in XXXX. That same day XX/XX/XXXX, I write a letter to CBA stating the debt was paid to the original creditor and I attached a receipt of payment. I then state to please respond within 10 business days to request that the debt was settled with the original creditor. 

A month goes by and I received a letter from CBA on XXXX XX/XX/XXXX dated XXXX XX/XX/XXXX. The letter states that I still owe the debt and returned my original letters back to me including the receipt. CBA also included in my letter an original receipt of payment from the original creditor showing that they I the patient paid the original creditor on XXXX XXXX the {$110.00} which was highlighted by CBA. 


Since CBA has the receipt from the medical billing department that I satisfied the payment with the original creditor, why would CBA still send me a letter stating I currently owe {$110.00}? 


I then call the original creditor at XXXX and ask to speak with the billing department. I then explain the situation and she states that she will call them to settle the confusion as she showed that I paid the account on XXXX XXXX on her end. She then tells me that she would call me back once CBA has confirmation from the billing department that the account is settled with the original creditor. She later calls me back and states the account is settled with CBA as they now know my account was paid with the billing department of the original creditor.

Today I check my credit reports and CBA placed a {$110.00} paid account on my credit report XX/XX/XXXXFrom the original letter that was sent from CBA the 30 day notification was not honored as I paid the original creditor and mailed receipt of payment to CBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report
Product: Credit card

I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. Please help
Product: Credit reporting or other personal consumer reports

My credit report has inaccuracies with late payments not reflective of my history. Requesting correction.
Product: Debt collection

I dont know the exact dates but I know that some of this happened in XXXX not only do they blow my phone up an insane amount. I have already looked at the payment plan options on their portal and I am unable to pay even the lowest amount which is {$450.00} a month the supervisor told me that maybe I should get a {$5000.00} loan from somebody. One of the representatives told me that it is not their fault that I chose not to prioritise paying down a debt. I am a single mother. I was trying to explain them that I am the only person that financially provides for my child. I am going through a divorce and that I could pay {$100.00} a month I know that that was not a big amount but I was willing to pay at least something and they were telling me that that was not acceptable and then they asked me well you havent gone to court for wage garnishment and I was like no I havent but also even if they did take me to court courts gon na have to keep in mind that Im the sole financial provider for my child that I have certain bills to pay as well and they literally be getting about the same amount maybe a little bit more but it would not be the {$450.00} that they were trying to force me to pay. I understand that what I was offering is not a lot. I get it but to tell me that I need to borrow money from people. No theyre not allowed to suggest that and theyre not allowed to force me to try and pay {$450.00} so at that point they can take my {$100.00} a month and be happy with it. They can not force me to make more payments than I can already not afford. I am budgeting a set amount for starting to pay certain things down and {$100.00} is what I have for them. it is not the first time that I had offered to pay them some money so not only where they refusing to accept money for a debt. They also refused it over 3 to 4 times and since they record their conversations youll also hear that I offered to pay {$50.00} at one point and they were telling me that that was unacceptable but I was XXXX. I was having a very rough XXXX and they were still trying to force me to pay something that I could not pay. We were on one income and at that time I still had not left my ex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I WAS IN A XXXX XXXX  RALTIONSHIP, I WAS TOO SCARED TO DO ANYTHING. AT THE TIME HE SAID IF I WENT TO POLICE HE WOULD RUIN ME BUT I NEVER KNEW WHAT HE MEANT BY THAT. I FINALLY TOLD MY FRIEND WHO IS AN XXXX WHAT WAS GOING ON AND THEY REPORTED IT. FROM THERE, I LET HIM KNOW AND HE DISAPPEARED. I NEVER WOULD USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT INQUIRIES : XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX We went to a club in XXXX Fl I authorized XXXX charge of {$700.00} for a table. They requested to keep my card and ID until we left just incase we order anything else I agreed and signed the receipt authorizing only {$700.00} crossed out tip and put {$700.00} for final amount. They kept charging my card multiple time equaling to {$4000.00} and XXXX of the waitresses used my card to order something online. I called the establishment and told me they will review the cameras and I should call the bank to dispute charges. Which I did chase reversed my disputes claiming they have receipts which makes no sense ok they charged my card and because they have a receipt its prof I did not sign anything not authorized anything but XXXX transaction. XXXX is requesting me to send them a receipt for the XXXX transaction I never received XXXX. XXXX is not will to re open the claim. I have only claimed XXXX transactions the whole year
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts or inquiries listed here. 
XXXX XXXX Balance : {$37000.00} XXXX XXXX  XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have XXXX XXXX credit card with a {$200.00} limit i used XXXX leaving me with a balance of XXXX when my bill was due I accidentally sent XXXX instead of the XXXX that was due. They received the payment but still said I owed XXXX dollars and i also paid the XXXX and my available balance went from XXXX to XXXX for no reason at all. I tried to call I was on hold for 2 hours and no one ever answered and there is no online help. XXXX   is the website there very little contact information and no direct phone line. They are on my credit report showing I've only made the initial deposit. I've given a total of {$430.00} including the {$200.00} deposit at this point I just want my money back and to close the account but I can't get a representative on the phone. I also moved and could not update my info on the website as it saved my address wrong in the system after I applied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, delete 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 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported which are the results of identity theft and fraud. These fraudulent accounts consist 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. 

I am a victim of the lawsuit the CFPB filed against EXPERIAN on XX/XX/XXXX and experian has failed to do their investigation along with send me DETAILED proof of the results of their investigation.
Product: Checking or savings account

Chase closed all accounts, checking, savings, and retirement and will not give me my money back. They closed they accounts on XX/XX/2022 and will not give me the funds. {$24000.00} in checking, {$40000.00} in savings, approximately {$45000.00} in retirement. 

Because they have arbitration in their contracts, there is virtually nothing I can do. 

Many people would not have been able to pay rent if this had happened to them and could evicted.
Product: Mortgage

I am writing you to request help to remove foreclosure from my credit score on all XXXX along with any negative comments. The reasons are as follows : 1. I was notified that I was included in a Class Action Suit against Wells Fargo Mortgage XXXX XXXX for an illegal mortgage. 
2. Wells Fargo knew I had an illegal mortgage from XXXX. Wells Fargo agreed and signed in Federal Court to modify all the mortgages that were included in the class action suit. 
3. I spent the next year trying to talk to them. I have names, times and dates if needed. 
4. I called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX who asked " Why I never applied for a modification? '' I tried numerous times and was turned away repeatedly. I did finally get them to accept the application which apparently was not processed in a timely manner since XXXX XXXX had no record of it. 
5. At this point under the advice of my attorney, I stopped paying my mortgage, in hopes we would have an open honest conversation concerning correcting or modifying my mortgage. I did not write the mortgage agreement. The Bank wrote the mortgage agreement. It was their correction to make, not mine. 
6. I am enclosing a copy of a certified letter that states I am included in the class action suit. I am also enclosing a copy of the court record dated XXXX XXXX, XXXX It states that Wells Fargo was denied the right to foreclose on me. 
7. XXXX XXXX, my husband and I agreed to sell our house. We gave up, the stress was unbearable. 
8. On XXXX of XXXX, we closed on the sale of our home with a profit, not in foreclosure or in a short sale. Wells Fargo was paid in full. 
Wells Fargo 's lawyers and my lawyers were in contact with each other the whole time. 
They have ruined my credit. We were unable to buy or rent adequate and appropriate housing after selling our home. Five years Wells Fargo played games with apparently no intention of honoring their signed agreement in Federal Court to modify and correct the illegal mortgages. 
After 40 years making timely payments to mortgage banks, this has ruined my credit and reputation. I feel they have slandered my name and implied that I am not reliable. This has caused unbelievable financial damage and hardship to our family. 
I hope by sending you documented proof and informing you of the history, that you will be able to accomplish something that I could not. 
This is about correcting their report on my credit, removing anything negative from the report and damage to me.