23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I submitted a complaint ( FSA Feedback Case : XXXX ) to understand better the status of my application for TEPSLF. I was told there was nothing to be done to address the following concerns, but to wait. Here was my original concern : I started the TEPSLF process on XX/XX/XXXX, sending in my request to XXXX, as directed ( email attached ). I received confirmation of my request via email on XX/XX/XXXX ( email attached ) .I received my PSLF 'denial, ' as expected, on XX/XX/XXXX. All was going according to plan! Six weeks later, on XX/XX/XXXX, I called XXXX for an update on my application, and I was told that I did not have an active TEPSLF application on file, that I was 'denied. ' I did not receive any written notice of this denial. The Representative told me that this denial was due to the fact that I submitted my TEPSLF request prior to having a PSLF denial on file, which was a mistake. He said I did everything right and that he could not explain why this happened and apologized for the error. I asked to speak with a Supervisor. When I asked the Supervisor if my TEPSLF application could be re-activated or back-dated, to keep my place in line, I was told that was not possible. I was instructed to start the process over by emailing TEPSLF again. I emailed immediately on XX/XX/XXXX ( email attached ). I did not receive a confirmation email from XXXX as I had after my initial email in XXXX, so I called XXXX to confirm my 2nd request had been successfully received. My 2nd application was on file. I received notification on XX/XX/XXXX ( email attached ) that I had met the employer requirements and 120 qualifying payments ( as I expected ) and FSA would complete a final review for forgiveness. I have called XXXX every 2 weeks since then to check the status. I am often told conflicting information - it can take 30-90 days or it can take 180 days. One person even told me no applications will be forgiven until the CARES Act expires ( which can't be true ). The TEPSLF Program is first-come/first-served with limited funds. Starting the process over on XX/XX/XXXX meant I lost about 45 days of progress, nearly a month-and-a-half. I am now 3.5 months into waiting for a decision - FSA has had my application since at least XX/XX/XXXX - and I have been told it could be another 2-3 months! I write to kindly request that my application for TEPSLF be moved up in line for consideration ( back-dated to XX/XX/XXXX ) given the erroneous denial and unfortunate 45 day delay.
Product: Credit reporting or other personal consumer reports

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Product: Debt collection

I am writing about my problem with ncb management. I requested on XX/XX/2021 via email the verification of debt. I had spoke to a supervisor on the XXXX who told me to send a email with all the information I was looking for. So I did that and was told if I didn't receive anything within a week to call back. When I did I was directed to mr. XXXX who said he will be handling the matter from now on. He gave me his personal number to reach him. When I spoke to Mr. XXXX he stated that they sent a email to me and he provided the email address it came from and I told him I had not gotten any email. He said okay well I can send it to your address and asked for my address. I provided it and still didn't receive anything. I called on XX/XX/2021 and left a voice-mail for Mr. XXXX asking what the status of getting the verification as I still haven't received it. I still have yet to get a call back or verification of debt. I then sent a email inquiring about the verification of debt on XX/XX/2021. I still haven't received to response. I then sent another email on XX/XX/2021 telling them I would like to get the verification or debt and some sort of response. The reason I am asking for verification is because the original company I had the loan through agreed if I returned the car and paid them XXXX the debt was settled as they sold the car for over XXXX So to my knowledge it was completely settled. I then noticed on my credit report that i now have this huge debt with ncb management. I called XXXX XXXX  who said my account isn't open so they can't give me any details. So that is when I reached out to ncb management on XX/XX/XXXX. Mr. XXXX stated once I get the verification of debt that i could call him and he will discuss with me what he had sent. I feel this isn't right as I was told by the original company it was settled so I wanted proof of what I supposedly owed. From my understanding I was supposed to receive within 30 days the verification of debt and I haven't and the company isn't responding I will try to attach the emails to this so you can see i have been trying to communicate. My initial contact with them was through a employee named XXXX XXXX, every communication after was with Mr. XXXX, email and voice mails were left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX ,  XXXX , and TransUnion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies lik e are one in the same, but neither one can help  I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recent ly after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

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

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

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

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

Wrong late payment reporting post forebearance, 90 - 180 days late for XXXX, XX/XX/XXXX and XX/XX/XXXX. This debtor has not received mortgage statement billings from Nationstar/Mr. Cooper since XX/XX/XXXX. Debtor was capable and willing to make payments post forebearance, but did not receive information about the program and most importantly, when it would be ending.
Product: Debt or credit management

XX/XX/XXXXXX/XX/XXXXXXXX keeps sending me emails and that was over XXXX XXXX XXXX. XX/XX/XXXXXXXX keeps sending me mail and it was over XXXX XXXX XXXX. Affirm keeps sending me emails and that was over XXXX XXXX XXXX ; XXXXXX/XX/XXXX was a credit repair card and it still charging me {$70.00} I sent them a dispute XXXX times they never reported to my credit bureau that I sent them a dispute.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX  veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted XXXX, Transunion, and XXXX. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs Midwest Recovery Systems, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off. 

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has allowed an unknown and inaccurate account to appear under my name. As a victim of identity theft, my personal details were misused, leading to this fraudulent account being added to my credit historyan account I have no connection to. Per XXXX instructions, I filed a report with the Federal Trade Commission ( FTC ) and provided all required documentation to resolve the issue. Despite taking these steps, the fraudulent account remains on my report, creating unnecessary stress and potentially damaging my financial reputation.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I have no knowledge of
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX XXXX  4 times regarding a late payment reporting on my credit report for the month of XX/XX/XXXX  via mail and by phone. I've explained to the company the reason for my late payment due to hospitalization for XXXX which cause me to submit my payment late for that month. Prior to XX/XX/2022 and after up until now I have had excellent payment history and am a loyal XXXX XXXX XXXX  customer. I have proof of my hospitalization and I feel my concern isn't being taken into proper consideration. I don't want to close my account with XXXX XXXX XXXX  but I will if they can't accommodate my request.
Product: Credit card or prepaid card

My card had been on restriction due to suspected fraud and unusable for a couple of months. On XX/XX/XXXX my secured credit card deposit was released into my card balance for what I thought was my request after 45 months of on-time payments. I called to confirm ( XXXX ) and was directed on how to un-restrict my card and be able to use it again with another agent. A remaining balance of XXXX was informed to me by 2 CapitalOne agents that when I cleared would set my card to XXXX balance and I was only waiting for document verification to release my card access. Through a third party I viewed my credit and saw that my card was status closed. I called CapitalOne ( XXXX ) to resolve, he said he spoke with another agent that was more able to assist me and got transferred to the next agent ( XXXX ) without any notation, so she was confused and finally decided to share the truth, that my account was closed back in XXXX and apparently nobody wanted to inform me of this and I was provided false information in all previous interactions, which I feel was to coerce funds from me. I was lied to and am in a worse place because I was cheated.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute and Complaint Against LVNV Funding LLC for Violation of the Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to file a formal complaint against LVNV Funding LLC for their repeated contact with me after I expressly requested that they cease all communication. This conduct is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and 15 USC 1692k. 

Background : On XX/XX/year>, I communicated with LVNV Funding LLC, requesting that they cease all further communication with me regarding the alleged debt. Despite this clear and unambiguous request, LVNV Funding LLC has continued to contact me, which constitutes harassment under the FDCPA. 

Violations : 15 USC 1692c ( c ) Ceasing Communication : According to this section, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wishes the debt collector to cease further communication, the debt collector must cease communication with the consumer except under specific circumstances outlined in the law. LVNV Funding LLC has failed to comply with this requirement. 

15 USC 1692d Harassment or Abuse : The FDCPA prohibits any conduct by a debt collector that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. LVNV Funding LLCs actions have caused me significant distress and XXXX. 

15 USC 1692k Civil Liability : Under this section, I am entitled to take legal action against LVNV Funding LLC for their continued harassment, which has directly violated my rights under the FDCPA. I am aware that this statute provides for actual damages, statutory damages, and attorney 's fees. 

Requested Action : I respectfully request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for their violation of federal law. I also request that LVNV Funding LLC be directed to cease all further communication with me immediately. 

Additionally, I seek compensation for the distress caused by their unlawful actions and any other remedies deemed appropriate under the FDCPA. 

Please find enclosed copies of all relevant correspondence, including my original cease communication request and subsequent communications from LVNV Funding LLC. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and appropriate action to enforce my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/XXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations
Product: Debt collection

Hello, Medical Data Systems, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX, appears to be in violation of the Fair Credit Reporting Act and also HIPAA. Medical Data Systems placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Medical Data Systems placing the negative item on my reports, they made no attempts to reach me in regards to the alleged debt. 

Upon notice of the collection account, I sent Medical Data Systems Inc. a debt validation letter via certified mail on two separate occasions (XX/XX/XXXX andXX/XX/XXXX). In the first letter, I requested Medical Data Systems provide me with all of the documents that were provided to them related to the alleged debt and my authority giving them access to the information. The company responded by sending an Authorization for Treatment and Release of Information form from XXXX XXXX Hospital that explicitly states that XXXX XXXX Hospital is  not permitted to share or disclose medical information with anyone besides the patient, along with what appears to be a detailed medical bill with procedures and medications that were administered. 

The second letter was a request for documented proof of the full chain of account assignment, ownership, or purchase ; a contract specifically signed by me and the authorized representative from Medical Data Systems stating that I agreed to pay this company for this alleged account ; and the method used to validate this alleged debt including my signature with permission for Medical Data Systems to access my HIPAA information. The company responded to the second letter with the same bill and a statement reading Regarding your demand for verification including original signed contracts, copies of state licenses, our agreement with the original creditor listed on this account, etc., there is no basis in law to substantiate your right to such information. 

In this case, there is no basis in law to substantiate this companys right to MY personal protected health information or the right to place a negative unverified collection against someone without adequately confirming the debt truly belongs to the individual FIRST. So again Medical Data Systems Inc. is violation of the Fair Credit Reporting Act and also HIPAA.  The company failed to send the appropriate documents to adequately prove the debt is mine and given the fact that the alleged debt is a medical debt, it is a direct violation of my HIPPA rights as I have not given this company permission to view or access my personal health information or medical records for any reasons. There is no signed contract between me and this company. I would like for this company to delete the negative listing from my credit reports.
Product: Credit card

I opened an account with Washington Mutual in XXXX XXXX. My last statement with WAMU was on XXXX XXXX, Chase Bank had bought out WAMU. 
Chase raised my interest rate from 8.95 to 10.24 and also dropped my credit limit from {$4200.00} to {$4000.00} when I was close to that limit. 

My Chase account was closed on XXXX XXXX. Amount on my account at the time was {$4000.00}. For 4 months after my account was closed, interest and fees totaling {$390.00} were added. My credit report showed that Chase " charged off '' {$4500.00} which is {$140.00} more than what they reported was " charged off '' and {$530.00} more than what my account was closed with. 

I had spent some time in the hospital and was trying to work out my debt with Chase. I asked them to change my due date to XX/XX/XXXX, since that was when I was paid. The Chase employee told me that " I was wasting their time making minimum payments ''. 

Chase sold my account to XXXX, a collection agency. The first letter I received from XXXX was in the amount of {$5200.00}, which was a lower amount on my credit report. 
The {$5200.00} is {$760.00} more than Chase had " wrote off '' and {$620.00} more than what Chase had reported was " charged off ''. XXXX should of never been able to add that much. I was n't using the card and the amount on the card was going up faster than when I was using the card. I dealt with XXXX and they took their name off my credit report. 

Chase reported 2 times and XXXX reported 1 time. This was XXXX strikes against me and I was a homeless Veteran for 36+ months because of this error and lack of communication. 

Chase claims they " report accurate information '', I guess more than one time, if they choose.