23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was student at XXXX university since XX/XX/XXXX, and i was A grad XXXX GPA student. 

In XXXX XXXX, i was getting married, i did n't take any days off during my wedding but i continued my classes and did really good in my class. 

In XXXX XXXX, I had XXXX and other health condition so i contacted XXXX Vice President XXXX XXXX XXXX and told him about my medical condition and asked for drop my class for 30 Days. After feeling better, I contacted XXXX XXXX XXXX in XXXX XXXX, XXXX in order to Continue my Class. XXXX XXXX XXXX asked me to speak to XXXX XXXX XXXX in order to sign up my class but after i sign up and they told me they are not offering XXXX program. Instead they have now aeronautical XXXX program which is quite different then my XXXX XXXX Program but they will manage some classes for me. After sign up they asked me to make extra XXXX class fees in XXXX in order to continue my class which i did not took during my health condition in XXXX XXXX. They told me that they had to return tuition fees to financial aids. So XXXX XXXX XXXX fail to told me that i had to make payments and also failed to notify me to sending my medical records. I offered them that i can send my XXXX XXXX but they told me that there is no Guarantee that they will take those payments off from my account. They told me i can not continue my class unless i make full payments and i am XXXX and i had part time job which i could n't afford and they jeopardize my Education and career just because i had health condition. They told me i have to make payments or else they will sent to collection agency. I wanted to finish my education and not to have affect on my credit report so i started making payments {$25.00} every month. Last payments they charge me {$50.00} on XXXX/XXXX/XXXX which was double the amount which i did not authorized. I did contacted person in Bursar office XXXX XXXX so she said she will refund {$25.00} next day but she never did. I did called them couple of time to get my refund but i never received my refund. even though i was making payments regularly they been keep calling me from Bursar office person name XXXX XXXX and i was explaining every day to tell her that I 'm same person she been kept calling and i already made payments and she was saying sorry that she called accidentally. even though till now i was making payments for those classes i did not took due to My XXXX Health Condition. 

They told me that they will not issue any Transcript unless i make full payments which i could not attend due medical condition. Without Notify me They sent to Financial Collection and i received a call today on XXXX/XXXX/XXXX so i had no choice but to set up a payments plan in order to get my Official Transcript. 

even though i was making payments every months they still sent to collection agency " FMS Investment Corp. ( FMS ). even though i explain to Collection agency they said i have to make payments to them now on, so i set-up payments plan. 

Surprisingly Everglades still charging me {$25.00} per month as well as this collection agancy also charging me at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a freeze on Transunion for years. I unfroze my credit report on XX/XX/2022 to make a purchase and pulled my credit reports. I found Transunion had been accessing my credit information about twice a month for years. I also had inquiries allowed from XXXX XXXX. The unfreeze was to apply for a home mortgage and I started getting mortgage offers from XXXX XXXX. The lender am working with does not share information and told me to use XXXX to stop the unsolicited offers. The XXXX XXXX offers continue to this day. 

Transunion should not be able to use my credit information or allow others to access my credit information when I have a freeze on my account. They are and they do. 

I never asked them to gather my information and now they are using it to their own benefit in marketing through XXXX XXXX and XXXX XXXX. 

How do I get them to stop?
Product: Credit reporting or other personal consumer reports

**Subject : Demand for Deletion of Inaccurate Bankruptcy Entry** Dear Sir/Madam, I am writing to demand the immediate deletion of an inaccurate bankruptcy entry from my credit report. The details of the erroneous bankruptcy entry are as follows : XXXX XXXX XXXX XXXX Information : | Bureau | Type | Status | Date Filed/Reported | Reference # | Closing Date | Asset Amount | Court | Liability | Exempt Amount | Remarks | | -- -- -- -- | -- -- -- | -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- -| -- -- -- -- -| | TransUnion | XXXX  XXXX Bankruptcy | Discharged | XX/XX/2015 | XXXX | XX/XX/2015 | {$0.00} | U.S. Bankruptcy Court | {$0.00} | {$0.00} | - XXXX XXXX XXXX XXXX Reasons for Demand : 1. **Identity Error** : The listed bankruptcy does not belong to me. I have never filed for bankruptcy, nor have I been involved in any bankruptcy proceedings.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this inaccurate bankruptcy entry violates several provisions of the FCRA , including Sections 611, 623, and 605, which require credit reporting agencies to ensure the accuracy of the information they report. XXXX XXXX XXXX  Requested Actions : 1. **Immediate Deletion** : I demand the immediate deletion of the erroneous bankruptcy entry from all three credit bureaus : TransUnion, XXXX, and XXXX. 

2. **Notification** : Please provide written confirmation once the deletion has been completed. 

XXXX XXXX XXXX Legal Basis for Demand : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Inaccurate bankruptcy entries violate the FCRA 's provisions, including Sections 611, 623, and 605.

I have enclosed copies of my credit reports highlighting the inaccurate bankruptcy entry, along with any supporting documentation affirming my claim that the bankruptcy does not pertain to me. 

Thank you for your prompt attention to this matter. I expect a swift resolution and written confirmation of the deletion of the inaccurate bankruptcy entry from my credit reports. 

Sincerely, XXXX XXXX
Product: Debt collection

I mailed the Equifax and third-party debt collector, XXXX XXXX XXXX requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX, I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days. I have been a victim of identity theft. The Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Product: Mortgage

The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage properly and fairly review our loan modification request for relief. We intend to keep our home and both of us are in out XXXX 's and have many medical and health issues that have kept myself XXXX limited in employment opportunities. In fact, we were forced to lose our businesses ( XXXX ) as a result of the health related to XXXX and XXXX XXXX XXXX. In addition, Nationstar has repeatedly denied us help several times for several years although we meet all eligibility criteria. They have never offered any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX PROCESSING SOLUTIONS to illegally start foreclosure on my property. The Nationstar Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Nationstar should have denied our request or started foreclose on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/XXXX.
Product: Mortgage

The only response this criminal and looting organized had is describe below. This looting organizer are the real face of the most corrupted financial institution in this planet. This is the company we are dealing with and lying in order to cover their criminal and fraudulent activity that must be stop permanently. The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives not allow criminal and looter organizer like Phelan Halinam to defraud people and disrespect CFPB with deceiving tactics and cover up of their criminal activity. Financial scammers institution will go to any extreme to defraud consumer. 
The Consumer Bureau advocates strongly for consumer control of the consumers data and transparency. Phelan Halinam ca lie but not with my family They will pay {$260000.00} regardless of their criminal activity and their death treats done via XXXX .This garbage will never intimidate me this will only make me storing The new Management of CFPB is to reach to state holder in order to hold more town halls meetings since CFPB intention is putting consume above financial that cheat them. Today, the Consumer Bureau is releasing a set of consumer protection principles intended to reiterate the importance of protecting consumers as the market for services using consumer-authorized financial data develops.
Product: Mortgage

Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX 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, block information 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 A credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX & XXXX Account XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX with Experian and XXXX for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/year> CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of XXXX Dear CAINE & WEINER XXXX I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account referenced above. I believe there are inaccuracies that need to be addressed. 

Licensing Requirement : According to federal regulations ( 12 CFR 1006.34 ( b ) ( 5 ) ), a collection agency must be properly licensed to collect debts. As of now, there is no evidence that the collection agency possesses the necessary license. 
Validation Information : The collection agency has failed to provide validation information as required by law ( 12 CFR 1006.34 ( 4 ) ( I ) ). Despite this, they have placed a collection entry on my consumer report. 
Consumer Rights Violation : The collection agencys actions may violate my consumer rights. Their use of false, misleading, misrepresentation, and deceptive means is unacceptable. 
Disclosure Violation : The collection agency has furnished information to consumer reporting agencies without providing the required disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ). 
Disputing Debts : In this dispute letter, I am asserting that I dispute owing any and all debts to the collection agency. 
Communication Rights Revocation : I hereby revoke any authorization for the collection agency to communicate with me via email, text, or phone calls. 
Debt Validation Request : I request that the collection agency provide validation of the debt, including details of the original creditor and the alleged amount owed. 
Purchase Agreement : I also request a copy of the purchase agreement between the collection agency and the original creditor. 
Proof of Licensing and Bonding : Please furnish proof that the collection agency is duly licensed and bonded as required by law. 
Thank you for your attention to this matter. I expect a thorough investigation and prompt resolution. Please provide written confirmation once the inaccuracies are corrected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Affirm report XXXX loans late after offering late payment forgiveness. 
I paid XXXX loans in full and Affirm is still reporting that I have late payment and opened balances which is a lie. 
I asked if they record past calls, they said yes, I explained they never disclosed they were recording calls and did not have my consent. I requested all recordings and they said they don't give those out. 
I requested copies of letter stating that they would report me if payments were late, they said they do not mail letters. 
I asked them to mail my pay-off letters they said no. 
I made XXXX disputes/ disputing all XXXX loans with XXXX and affirm lied and said loans are not paid and still opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. XXXX  XXXX XXXX XXXX XXXX XXXXXXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of XXXX to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Product: Student loan

On XX/XX/XXXX I received a letter from Federal Student Aid thanking me for my public service and that my student loans had 192 payments and the effective date of forgiveness was XX/XX/XXXX. This letter stated, " Your loan servicer will send you communication about PSLF/TEPSLF forgiveness within 30 business days.

It has been 6 months and I have not received anything from my servicer XXXX as this letter stated I would. 

I have contacted Federal Student Aid three times from when this letter was sent starting in XXXX, XXXX and as recent at XX/XX/XXXX. Each time I have contacted Federal Student Aid they have told me that my loans have been forgiven but I just need to wait. 

What am I waiting for, it has been 6 months. In addition they can't tell me why I continue to have a balance and what the problem is. 

How can they send me a letter telling me my loans have been forgiven and I would receive communication within 30 days and then for 6 months tell me to just wait without telling me what the problem is? This is completely fraudulent. 

I have contacted my servicer XXXX and they tell me to contact Federal Student Aid. 

I continue to have a loan balance and a monthly payment. I now have 195 qualifying payments towards this loan.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XX/XX/2023 DELETE HARD INQUIRY
Product: Student loan

I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two years, I have asked XXXX, XXXX, and Experian to delete a charged-off account that I have with XXXX XXXX  because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and XXXX keep moving the the date of last activity to every month, including this one, and Experian moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.