23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I do not feel the company has responded within a reasonable time frame. It has been 135 days since they have made a commitment that they have yet to honor. 
Please see previously closed complaint # XXXX. Attached to that complaint is the company 's statement on XX/XX/XXXX. It states the following in paragraph 5 line 5 : " When we receive a completed ECF indicating that you are maintaining qualifying employment, a letter updating the total number of qualifying payments you have made towards loan forgiveness under the PSLF program will be sent. '' I submitted the ECF as requested and their response followed on XX/XX/XXXX ( attached in full below ) stating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 
After we calculate the number of qualifying payments you have made, keeping track of your progression toward PSLF is easy. 


They have done nothing since then. As stated above, it has been 135 days and i feel that i am being forgotten intentionally. I know that these payments can be backdated, but i feel this is a diversionary tactic used to keep me from receiving qualifying credit for my payments until another dirty tactic can be used to disqualify me altogether.
Product: Debt collection

I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : Date open is incorrect, Date reported, You can not report a term length and past due amount on a charged off account, The highest balance is in correct this car was sold at auction Please remove these from my account.
Product: Debt collection

A letter was sent to them asking for the dept validation Signature signed by me on the contract guaranteeing that I would pay the creditor I ask if there was any insurance claim file on the debt.

And prof of chain of title to collection this debt Citing 15USC 1692g Date amount original charge off XX/XX/year> XXXX
Product: Mortgage

I been behind on my house payment, I having issues to catch up my payment I been over paying on my car insurance, the gas car and the food expenses, I really try to catch my payments, but is hard, I am a single mom I have a good job, but for some reasons I been struggle with my payments I almost caching up, but I having more expensive, and is been realy stressful for me.
Product: Debt collection

I contacted that the company that stated that i owed over {$800.00} for a company name blusoft I told them that I am unaware of this debt but yet i would still like to resolve it financially, the collection agency started who says i owe them stated that i owe over {$1100.00} for the a debt that was {$800.00} he continues to insults me by telling me that i won't be able to purchase anything because of this dept.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXaccount XX/XX/XXXX, account number XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Student loan

I currently applied in XX/XX/XXXX for the student loan forgiveness program. At first the program was under the name " XXXX XXXX XXXX '' it was then " sold or transferred '' to XXXX XXXX XXXX. When I applied and was granted, I had to provide bank statements, documents signed by my principal, and tax information. At the time I qualified for the 10 year forgiveness program and began my payments. When information for renewal came, I renewed my information XX/XX/XXXX and continued on with payments. They were automatically withdrawn. XXXX XXXX XXXX XXXX PPD ID : XXXX ACH debit {$61.00} Payments stopped in XXXX, however I didn't notice until last month. As I have been trying to inquire as to what is going on, I have received little to n information. I was actually sent an email from a coworker regarding a " lawsuit '' against XXXX at the end of XXXX and I checked payments to realize they hadn't taken one out for the last two months. 
I do not want to have a bad credit standing with the Student Loan people and have worked hard to pay off all my additional debt besides my Student loans due to this program. I am currently in the process of building a house and do not want this to affect anything.
Product: Payday loan, title loan, or personal loan

I was informed to reach out. had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. The loan was from Wells Fargo Dealer Services. I recently read an article that they are paying people back who had auto loans between the years XXXX - XXXX for increasing interest rates and various other reasons. I wanted to see if I was eligible for any return or payment when I had my loan and paid it off. 
XXXX XXXX XXXX I am trying to get ahold of XXXX XXXXXXXX XXXX. the Escalation Associate for the XXXX  Complaints Management Office XXXX I called her number and extension at XXXX ext. XXXX. 

She is helping me with Case Number : XXXX I filed with the Consumer Financial Protection Bureau. She said she couldn't find my auto loan account that I had paid off. 

My loan was under my name : XXXX XXXX XXXX Account Number XXXX Could you please help me get this message sent over to her? I appreciate your help. 

Thank you,
Product: Credit reporting or other personal consumer reports

During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, EXPERIAN, and XXXX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

This is for Transunion, they are reporting a XXXX account, with a balance of XXXX that does not belong to me. They are listing me as authorized user, and i have no knowledge of this account, and it needs to be removed immediately. They are also listing twice that I have a delinquent account with XXXX and that it 's a charge off : XXXX in the amount of {$5500.00}. This is not mine either!
Product: Vehicle loan or lease

There was high interest and fees on the loan, and no gap insurance refund after the loan was paid off early. This was from a Wells Fargo auto loan. The car was purchased in XX/XX/scrub>XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX  digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD?
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 or other personal consumer reports

Subject : Dispute of Debt Collection ( Account Number : XXXX ) and Urgent Request for Investigation and Rectification Dear Sir/Madam : I am writing to express my serious concern and dispute regarding a specific, inaccurate collection entry on my consumer report. 

Account Name : XXXX XXXXAccount Number : XXXXAmount Owed : {$540.00} as of XX/XX/2023 I assertively challenge the validity of this debt. On XX/XX/2023, I returned the specified items to a XXXX store in New York. Despite being assured of the proper return process, this debt erroneously appeared on my credit profile. 

This unmerited mark not only jeopardizes my financial reputation but has caused significant emotional distress. I've spent countless hours on the phone, mailed evidence, and painstakingly attempted to rectify this situation, only to face continuous roadblocks and a lack of clarity. 

The stress stemming from this matter has been exacerbated by the looming implications it carries. I've found myself questioning future financial decisions, concerned about potential higher interest rates, and apprehensive about the prospect of being declined for financial products or services due to this unwarranted blemish on my credit profile. Furthermore, this experience has left me feeling violated that despite my genuine efforts and rightful actions, my financial narrative can be inaccurately portrayed. This is not just an errant number or a misreported transaction ; it's a reflection of me that is being inaccurately and unfairly tarnished. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I draw your attention to the following sections : 1681i : Mandates credit reporting agencies, like Experian, to conduct a comprehensive and timely reinvestigation when a consumer disputes information.

1681g : Highlights my right to know every piece of information you have about me, including the sources of that information.

1681j : Ensures that no unwarranted charges are levied against me during this dispute process.

1681s-2 ( a ) : Clearly outlines the duties of furnishers of information to provide accurate data. In this context, XXXX XXXX may have violated this provision. 

My objective is straightforward : I seek an immediate and thorough investigation into this matter. The enclosed receipt unequivocally confirms the return of the XXXX equipment. It is my belief that with this evidence, coupled with the responsibilities of both credit bureaus and information furnishers under the FCRA, this unjustified debt collection entry should be removed expeditiously. 

Any failure or undue delay in addressing my concerns and rectifying this error will not only infringe upon my rights under the FCRA but may also compel me to take legal action to safeguard my interests. 

Please treat this letter with the urgency and seriousness it warrants. 

Enclosed : Receipt of returned XXXX XXXX Internet 5G router and receiver dated XX/XX/2023.
Product: Money transfers

On XXXX/XXXX/2015, I received a phone call from an online computer service provider. They told me they were going to refund my fees paid to XXXX. After hours of trying to connect, they scamed me into allowing access to my bank account information. Showing me they had an account at the same credit union. Anyway they claimed to deposited excessive amount into my checking, ( which was transfered from my savings. ) And that i would have to send them a money gram for the excess. I did all this and realized what they had done and cancelled the money gram in time to get my funds returned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a supervisor at this company. He ensured me everything was alright. and gave me a transfer id #. and showed me his account with XXXX XXXX XXXX XXXX. They requested funds be sent to a XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX  states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit card or prepaid card

I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail. 

Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest. 

When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated. 

I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees. 

I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point. 

I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end. 

I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind. 

In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email. 

I would be happy to discuss this with anybody on your team for further clarification. 

I appreciate your help with this.