23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for an income-driven repayment plan ( IDR ) in XX/XX/XXXX. I specifically wanted to be put on the XXXX plan, *not* the XXXX plan . I communicated this on the phone when I was asking for guidance on the phone and being given direct step by step instruction on how to apply. 

After many, many weeks of waiting for a result on my application to no avail, I was finally got placed on the XXXX plan instead. I called Nelnet numerous times to point out this problem and investigate how it can be fixed -- I needed to be on the XXXX plan, and I clearly communicated this in my application. 

On XX/XX/XXXX I called Nelnet once again insisting I get actual answers to my questions and concerns instead of being told to wait, call back, or waste time in XXXX way or another. I spoke with an agent who identified herself only by first name. After looking up my file and seeing my submitted application, she confirmed that I should indeed be on the XXXX plan. She helped me by filing an internal application to have my IDR repayment plan changed from XXXX to SAVE. She assured me additional documentation was not required, and I would get an email in XXXX weeks stating the plan change. She would not, however, provide me with any confirmation an internal application for change was submitted, under process, or even her full name. 

In XXXX, with months having gone by and still no change, I called Nelnet numerous times again -- struggling to find anyone with the knowledge and willingness to properly help me. I was told to simply " just file a new application for XXXX at this point, '' and given instructions for that -- which, I may add, I have to also assume happen to correct, as I did the first time. 

In all, I have had such a prolonged experience getting my repayment plan set up with Nelnet. It has been almost a year now with me being on the wrong plan. In that year, {$11000.00} dollars have accumulated in interest that would have otherwise been subsidized if I were on the XXXX plan. Now, I am faced with this interest capitalizing and worsening my financial situation when I do not even have any employment or income. And during all of this, I was just met with vague platitudes of empathy and no real customer service to promptly or successfully address my concerns.
Product: Debt collection

collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from Equifax or XXXX XXXX. They were supposed to respond within 30 days.
Product: Credit card

Approved for a Best Egg credit card 2 months ago and it never arrived, waited 3 weeks, nothing. Called their customer service to cancel the card and they assured me it was cancelled. They just reported it to XXXX as a new account! They obviously did not cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attached Equifax credit report of XX/XX/XXXX for my XXXX XXXX XXXX account # XXXX has inaccurate and conflicting data which has existed for over 5 months despite my diligent repeated efforts to delete my account and/or accurately report data. My credit report inaccurately reports the Date Closed XX/XX/XXXX while at the same time accurately reports under XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Obviously, conflicting data of when the account was closed needs to be corrected as warned by CFPB regarding Facially False Data required safeguards. I feel like I am being ignored and taken advantage of regarding my disputes in willful violation of the FCRA. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 120 days so they should be promptly deleted. I am distressed that you have included the inaccurate and conflicting information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The closure date needs to be reported accurately reported without conflicts otherwise deleted. You need to do a proper re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX XXXX XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INCXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My Experian credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Debt collection

In XX/XX/XXXX I spoke to and received an email from XXXX XXXX the manager from XXXX XXXX. The company had already garnished my wages for XXXX XXXX XXXX for a total of {$2400.00}. In her email she asked if I would agree for the remaining balance of {$2200.00} with no interest, to be paid every month at the rate of {$150.00} per month and that another account in their office for XXXX would be written off with this agreement. I agreed to the terms and requested in writing how to make payments and the terms sent to me. Every month I asked for this information up until XX/XX/XXXX. I never received a letter. In XXXX I received a notice from the court for a hearing XX/XX/XXXX for the XXXX XXXX. Unfortunately I had XXXX and could not go. My checks had already been garnished. Then XX/XX/XXXX a notice from XXXX was sent out stating I have a court date XX/XX/XXXX. After trying to communicate with XXXX XXXX at XXXX, I called the court clerk who then explained the company postponed the XX/XX/XXXX hearing until XX/XX/XXXX and Im being Re garnished for the XXXX XXXX XXXX which I received no notification about. I entered into an agreement with this company that they never intended to honor and instead breach. The XXXX account was to be written off ordering to the XXXX and with the attorney agreeing. This company is a scam.
Product: Credit card

On XX/XX/year> someone hacked into my chase and or XXXX  account and accessed my debit card information. They used a fake name, address, email, and phone number. I was out of the country at the time but this person went to the XXXX  store and picked up the items they purchased with my credit card. I supplied chase with my flight information but they claimed since the card was on me at that time that it couldnt have been used somewhere else. Which is utterly ridiculous because people hack accounts all the time remotely. I called XXXX  which identify it as being theft but it was up to chase to approve it so I could have the money released back to me. XXXX supplied me with the fake contacts details that the thief used - chase did not even try to gather this information. I had to gather it and despite providing it they still denied me. They did not do their due diligence investigating this fraud claim. The thief purchased XXXXXXXX XXXX XXXX and picked it up from the XXXX, LI XXXX. Had chase responded and gather the information within 30 days the XXXX  said they could have identified the thief on camera but they delete footage every 30 days. Again, figured this out with my own investigation. The purchase was {$410.00} which is a lot of money and even worse I needed to close my account while I was out of country which was more of an inconvenience. I should be reimbursed for the money that was stolen from me due to chases negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS ABOVE ATTACHED ARE CASES
Product: Mortgage

XX/XX/XXXX my husband and I received a call stating that we were late on our XXXX and XXXX mortgage payments. When I talked to a representative for the company they stated that since my husband had just completed his bankruptcy that we had to wait so that they could confirm all of the information and they would call us to let us know. However, before his bankruptcy was discharged on XX/XX/XXXX we had and have been on time with our mortgage for the last six months and I offered all of the confirmation numbers as well as all of the documentation from the bankruptcy courts stating that we owed our mortgage company {$0.00} however this month we received another phone call with the same statement and I have been transferred and hung up on with no help no solutions and no return calls. We are now at XXXX and they are stating that we are still behind when our XXXX payment was completed on XXXX. So I would like to file a complaint that they are trying to make us pay a payment that we do not owe as well as they will not allow us to talk to any department outside of collections. Pennymac is a HORRIBLE mortgage company and they have no clue what customer service is.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I found accounts on there that are completely wrong, and Im at a loss for how this even occurred. Ive always checked my credit report carefully, and theres never been an issue like this before. I refreshed my browser over and over, praying it was just an error, but nothing changed. Please, I am pleading for the documents I sent to be carefully examined so I can have peace of mind once more.
Product: Credit card

Someone was using my card in XXXX. Due to visa issues i can not leave XXXX XXXX. I never NEVER been to XXXX. They used it at enterprise, a vape store ( i dont smoke ) and a hotel. 
I called Bank of America and got a new card and disputed charges. I have proof i was at a hair salon in XXXX XXXX DATED the day they were using my card in XXXX. They still are not refunding me. I have photo evidence. I also used my XXXX IN PERSON PHYSICALLY. In XXXX XXXX on this date.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022, I fell victim to two multi-layered scam operations run by the con artist XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase Inc. account to the fraudster.
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 : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 or other personal consumer reports

" I am disputing a series of unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I provide consent for my credit file to be accessed. The following hard inquiries were made without my permission and need to be removed immediately : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 604 ( a ), a hard inquiry requires the explicit authorization of the consumer, which I never provided. I request that these inquiries be removed immediately from my credit report as they are unauthorized and negatively impacting my credit score. 

I also expect the credit reporting agencies to notify me in writing once the inquiries have been removed, per their legal obligations under the FCRA. If proof of my authorization can not be provided for any of these inquiries, they must be deleted to comply with the law. ''
Product: Credit reporting or other personal consumer reports

ABSOLUTE RESOLUTIONS INV has collection report past due {$360.00} as of XX/XX/XXXX. XXXX  credit report shows XX/XX/XXXX this company first reported. This is an identity theft by ABSOLUTE RESOLUTIONS INV and I never use my credit card. 

Please note I've moved to XXXX XXXX  on XXXX XXXX with my husband and the store card was never used. This bill is an identify theft of myself running ABSOLUTE RESOLUTIONS INV. Please remove this collection from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$710.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$4200.00} XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX {$500.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XX/XX/XXXX {$5300.00} XXXX  XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3800.00} XXXX Payment XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.
Product: Mortgage

I was referred to Wyndham Capital Mortgage from XXXX. On XXXX XX/XX/2020 at around XXXX CT, during a phone call with XXXX XXXX at Wyndham Capital Mortgage , she performed a hard credit pull without my permission. XXXX made a misleading request to authorize a hard pull. I believe that she used vague language on purpose to try to trick me and that this practice may be widespread at Wyndham Capital Mortgage. 

She first asked me : " Is it OK if I pull up your liabilities? '' I knew she might be wanting to do a hard credit pull, so I asked her " What do you mean by that? '' Then she said " Can I get your credit pulled up? '' Again it was unclear to me what the phrase 'pulled up ' meant. So I asked her if she was asking to do a hard pull or a soft pull. After her response, I said " I authorize you to do a soft pull. '' Then I got a notification from XXXX XXXX saying that a lender had pulled my credit and I immediately told XXXX that I did not authorize a hard credit pull. 

I believe that XXXX purposefully made an unclear requests to 'pull up liabilities ' and 'get your credit pulled up ' to try to trick me into saying 'yes '. I believe that Wyndham Capital Mortgage may be encouraging this sort of  misleading behavior for other customers too, which is why I'm reporting this.
Product: Student loan

My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXX. 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the account with XXXX XXXX was paid in XX/XX/2020 in agreement to Cease debt collection and removal of the account from my consumer report Equifax has contiued reporting this account regardless of my dispute and evidence. I have now received a granted motion and notice from the court that his record is to be sealed and not available for public viewing or inspection ( attached evidence of granted motion. Equifax must delete this account as it is a sealed account no longer available for public viewing.