23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received at least half a dozen letters and phone calls trying to collect on a supposed debt to XXXX. I currently have an account with XXXX but it is in good standing. I called to confirm this with XXXX. The collection company XXXX XXXX XXXX XXXX says it is an older debt from a couple of years ago but I haven't had an account with XXXX since the XXXX 's, which was also in good standing when it was shutdown. 

I have repeatedly told Convergent that I do not owe the debt to XXXX, XXXX has confirmed to me that I do not owe them a debt. I've told Convergent this as well. I told them to stop contacting me and they should verify the debt with XXXX and they have refused to do both.
Product: Student loan

My payment count for the public service loan forgiveness plan is off by 7 months worth of payments. FedLoans is unable to give me a list of payments that they have verified so that I can compare the two to determine where the difference is. I submitted a request for a recount and list of verified payments in XX/XX/XXXX and again in XX/XX/XXXX. I called again today and was told they are still processing my request and cant give me a timeframe for when this will be complete ( despite the first request being made 15 months ago ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach JEFFERSON CAPITAL XXXX Acct # XXXX {$2600.00} is not my account and we dont even have XXXX in Alaska
Product: Credit reporting or other personal consumer reports

I have received multiple emails from the Department of Education that my loans were being discharged because of a case that found the school I attended was found guilty in a court case against them. The first email about the discharge was on XX/XX/XXXX. At first I stopped making the payments like the email said, then a few months went by and I received an email saying that I missed a payment and when I went to check on my loans it showed that there was no payment need to be made so I left it alone. a few more months go by and then again I receive another email saying that I missed a payment and again I checked the account, but this time it showed that a payment of {$0.00} was due. So I paid the normal amount that I have been paying and did for a few months. I then received an email saying that my discharge was approved and that no more payments were needed and to stop making payments. That email was received on XX/XX/XXXX. After that email I checked my account again and it showed that the loans where put into forbearance and that I no longer had an option to make any type of payment. So with that I figured that things were being finalized and that the loans were being taken care of. I now received an email saying that I have been reported for " missed payments over 90 days '' and it has affected my credit score drastically. I have been trying to find any information in my loan account that tells me anything but there's nothing. It still shows that no payment is due and I have no option to make any payment of any kind to the loans. I tried to reach out to the Department of Education for information and when I submit my request or email it says that the service is unavailable right now. I tried to file a complaint with them about my credit being affected and when I try to submit my complaint that also gets denied and I'm shown a box that says " this service is unavailable at this time ''. I've reached out to the loan service provider MOHELA about the issues and are still waiting on a response from them on what is being done. I have been receiving emails that are conflicting with each other and need some resolution, and if they are not going to allow me to make payments then I need this to not be reported and my credit score to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXBalance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am sending to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 
XXXXXXXX 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

I had a charge come thru that overdrew my account. I had canceled the membership earlier Im the month so I filed a dispute. The charge came thru XX/XX/19. I received a letter with a form to return that was dated XX/XX/19. I faxed it back XX/XX/19 selecting option saying it was previously authorized but since canceled. I received a letter on XX/XX/19 which was dated XX/XX/19 from a collection agency saying my account was closed and sent for collections. The same day I received a letter dated XX/XX/19 from the bank saying my claim was closed because I had authorized the charge before. After talking to Associated bank at length the reason I was given for my account being closed was since the charge over drew my account despite me disputing the charge because the bank had added so many overstay fees including daily fees they closed it over. Eveythough again the only item that had my account negative was in dispute. I called XXXX XXXX who had charged the fee originally and they apologized for the errand reversed it. Also assured me my membership was cancel. ( I had 2 accidental XXXX exposures and I told the waiter I am XXXX ) as a result I cancel. Associated Bank closed the account before 30dsys of it bring overdrawn because of fees they charged and sent it to collections before a decision was made on my Reg E dispute. Their overdraft fees ( daily and otherwise ) apparently trump due process with Fed Regulation E
Product: Debt collection

This company has sent us mail stating they have won a law suit in court against us and we have to pay them the money owed we can go to jail, we have been paying them to avoid problems, but have been severely affected by covid-19 and have had to not pay other important bills to pay them out of fear, this is the second time they do this to us, this one is under my name, they also have a judgment on my husbands name in which we also have been making payments with out being able to.
Product: Student loan

Nelnet continues to delay my statements- each dated XXXX or XXXX, yet it's XX/XX/XXXX and I still do not have my XXXX statement. I asked Nelnet for my transparency- they provided absolutely nothing. It's really amazing for the federal government continues to do absolutely nothing and enable this toxic garbage company. This is not a free market. This is not American economics. This is blatant, corrupt, government abuse of consumers and enabling lobbyists and the private sector to participant in their abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Jobs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX numbers : XXXX XXXX XXXX XXXX
Product: Mortgage

My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.
Product: Debt collection

I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. 
on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX Account XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings, I recently reviewed my credit report on XX/XX/2023 and it shows that Experian is continuing to report XXXX XXXX. My student loans are no longer with XXXX XXXX because they have been transferred over to XXXX XXXX XXXX XXXX. I have the same debt reporting twice from two different companies. I owe {$56000.00} dollars but Experian is continuing to report {$100000.00} dollars. I called XXXX XXXX XX/XX/XXXX and they no longer have me in their system. I am writing to request the deletion of accounts of XXXX XXXX on my credit report. 


I kindly request that you investigate the inclusion of theses loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters.

I have provided relevant supporting documentation that demonstrates the eligibility of these loans for removal to Experian.

Thank you for your attention to this matter. I look forward to your prompt response and the successful resolution of this request.
Product: Credit reporting or other personal consumer reports

I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including Experian, XXXX, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
Furthermore, I have received confirmation from the Bankruptcy Court, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the bankruptcy information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.
Product: Debt collection

company name is Portfolio Recovery Associates LLC. this company is claiming i owe them four different credit card accounts.

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated a dispute with XXXX, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as Security Credit Services of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/XXXX and, Date : XX/XX/XXXX, XX/XX/XXXX claimant XXXX XXXX and XXXX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with XXXX per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and Security XXXX XXXX to validate the alleged obligation and XXXX has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. XXXX has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to ( credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable  personal data or contractual agreement between me and claimant ) Both XXXX and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.
Product: Debt collection

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Product: Student loan

I am in the income based repayment plan. Every spring after completing my tax return, I re-submit my annual IRB paperwork. This spring the website to submit the information through was down for weeks to months. So I printed the paperwork and mailed it to FedLoans, my servicer. They incorrectly inputed my family size as XXXX  instead of XXXX. As a result, they said I owed $ XXXX/mo when in fact I owed $ XXXX/mo. I called several times and had them do a re-calculation. ( Which it seems like most years I have to do. ) But this year, although I was assured it would be completed in 7-10 business days, way before my first due date of XX/XX/XXXX, it was not. In fact, ultimately I requested an expedited recalculation and an even more urgent recalculation. Finally in XX/XX/XXXXthey got the amount right.
However, I was already set up for direct debit. I thought this would be a smart way to ensure that I was never late with a payment since the penalties are so harsh if you are. So in XX/XX/XXXXthey pulled {$750.00} from my checking account that they were not entitled to. When I called, they said it was too late to stop the payment. I cancelled direct debit at that time. In XX/XX/XXXX, I paid them what I knew I owed them even though officially they still billed me {$750.00}. In XX/XX/XXXX, they finally billed me for the correct amount. I sent in my payment of {$520.00}. 3 days later, they pulled a second payment of {$520.00} even though my direct debit was cancelled and I deleted my account info from the website. I called and spent 48 min on the phone today trying to get them to apply the second payment to my XX/XX/XXXX bill. However, since I am in the student loan forgiveness program, they can not. They directed me to go to my financial institution to dispute the direct debit. So in the last 2 months, they have pulled {$750.00} out of my checking account that they are not entitled to. {$230.00} they have told me I will never get back. I can dispute the most recent ( second ) payment of {$520.00}, but who pays the fee to the bank to stop payment. And how do I know that they wo n't pull money out again next month. They told me that they wo n't now, but I 've heard that before. Please keep these incompetent people under control. How can they be allowed to function like this???