23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted XXXX XXXX ( XXXX ) in XX/XX/XXXX when I discovered I was eligible for Public Service Loan Forgiveness ( I have federal student loans and am a XXXX XXXX XXXX working for a 501 ( c ) 3 XXXX ). <P/>I requested XXXX  that all of my federal student loans be transferred and reconsolidated properly so that the payments would count towards PSLF. The XXXX representative had me log onto www.studentloan.gov and walked me through several steps. He also mailed me papers to sign. I was told my loans would be consolidated under REPAYE so they would qualify. <P/>In XX/XX/XXXX I discovered some federal student loans had not been transferred to XXXX  and were still with XXXX. I called XXXX to request that these loans be transferred and consolidated so they counted for PSLF. I was told they would be transferred. I had to call back every month because the loans were never transferred. Each time a rep told me they were in the process of being transferred and to wait. After that happened twice, I requested to speak with a supervisor. I had to do that at least four more times before the loans were finally transferred to XXXX  in XX/XX/XXXX. <P/>Despite filing frequent ECFs, my account does not reflect any PSLF qualifying payments for those loans. When I called XXXX, the supervisor could not explain why I did not have any qualifying payments. She told me the only thing she could do was submit a payment review, and the review could take up to six months. She would not provide any other information or help me in any other way.
Product: Debt collection

Delete the identity theft-related accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove.
Product: Debt collection

I financed a large chair at a local furniture store through ACIMA, which turned out to be XXXX XXXX i learned. at the store they told us our payments would be around XXXX dollars a month. 
it took them triple the time to deliver item they promised and then they delivered the wrong item. during the whole ordeal they, acima, started calling demanding payment even before item was delivered. i told them i wasn't paying until i got my item. it finally came although wrong and i contacted them to make payment which was now roughly XXXX a month, far more than promised. 
when they delivered the wrong item i called the store and got the run around for months. mean while i continued and still get calls and emails and even threatened to take me to court and a demand letter from a law firm. i have recorded several phone calls with them telling them to come get their wrong item and im not paying for a wrong item. they still call and contact me saying i owe them money when im trying to return the wrong item. i also have copies of demand email from an attorney. i called their bluff telling them to take me to court and i would have them charged for frivolous prosecution and fraud. they keep calling and will not come get the very large chair, it wont fit in my car and the store refuses saying its now belongs to acceptance now/acima because it was financed through them. 

i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to repair this account below : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. 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 matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

On XXXX XX/XX/2022 I sent the pay off final payment of {$2500.00} from my XXXX  XXXX XXXX checking Account to Bridgecrest Credit after almost 6 years of excellent record of monthly payments. I forgot to cancel my automatic payments to Bridgecrest so an extra payment of {$430.00} was sent from my account to Bridgecrest on XXXX XX/XX/2022. 
Since them i have called Bridgecrest several times ( More than 6 times ), XXXX, XXXX are some of the names they gave me as representatives. I have sent several emails to two different departments regarding this matter and asking Bridgecrest to refund my money back, because that money was sent by mistake and do not belong to them There is no answer from Bridgecrest, they still holding my money and i dont see any intention of good will from their side to return the money, i feel robbed
Product: Mortgage

J.P. Morgan Chase bought my mortgage from a mortgage securities pool in XXXX. The mortgage was fraudulent upon issuing. Pursuant to 10 PA Code Section 48.3, the company issuing the mortgage used and provided fraudulent information contained in these sections of the PA code : ( 1 ) A dishonest practice or conduct is characterized by a lack of truth, honesty or trustworthiness, or is deceptive or implies a willful perversion of the truth to deceive, cheat, or defraud. 

Example B : A consumer tells a mortgage originator employed by a mortgage broker that she seeks a fixed-rate mortgage loan without a prepayment penalty that has an interest rate within a certain range. 
The mortgage originator knows that the consumer does not qualify for such a fixed-rate mortgage loan, but does not inform the consumer of that fact. Additionally, in all legally-required disclosures it is indicated that the consumer is getting a fixed-rate loan without a prepayment penalty. However, when the consumer arrives at the loan closing, the mortgage loan that is offered is a variable-rate loan with a prepayment penalty. 

( 2 ) A fraudulent practice or conduct is characterized by deceit or trickery, an intentional perversion of the truth to induce another to part with something of value or to surrender a legal right, or an act of deceiving or misrepresenting. Fraud also includes any other definition of fraud under applicable law. 

Example A : A mortgage originator employed by a mortgage broker has promised a certain low-rate mortgage loan to a consumer. However, the consumer does not have the minimum debt-to-income ratio set by the lender preferred by the mortgage originators employer to qualify for the lowest-rate mortgage loan offered. Therefore, the mortgage originator changes the XXXX statement of the consumer to reflect a higher income for the consumer without the consumers knowledge, and then submits the documentation to the lender. 

Example B : An employee of a mortgage lender contacts a real estate appraiser with a request to perform an appraisal and informs the appraiser that the sale price of the property is {$150000.00}. The employee knows that the property will not appraise for that amount, but promises the appraiser future business if the appraiser can make the deal work. The mortgage loan is closed by the mortgage lender based upon the appraisal report showing the value of the property as {$150000.00}. 

In XXXX, I tried to modify my mortgage through HAMP ( now HARP ). J.P. Morgan Chase approved my modification, only to disapprove it 3 months later telling me I am now in default for making partial payments. They also paid my escrow and homeowner 's insurance without my approval or knowledge, only to demand I pay it all back to them since I am not approved for the modification. I managed to hold on somehow. 

I had been paying interest-only for 10 years, and in XXXX I was required to start paying principal and interest. I have been struggling with these payments and will not be able to hold on much longer. I love my house and want to spend the rest of my life here. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, XXXX, XXXX XXXX and Nordstrom regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
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 XXXX of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the following accounts : XXXX XXXX. Balance {$8300.00} XXXX XXXX. XXXX {$820.00} XXXX XXXX. XXXX {$2000.00} XXXX XXXX. Balance {$39000.00}
Product: Debt collection

Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a data breach, which resulted in the unauthorized use of my personal information to open fraudulent accounts in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$1500.00}
Product: Money transfer, virtual currency, or money service

Today is XX/XX/XXXX on XX/XX/XXXX I tried to use my cash app card at a gas station and it was declined however {$71.00} was taken off my card. I contacted support about this and they told me to file a dispute after filing 3 different disputes with evidence that I did not receive fuel and emails with the gas station saying they did not have my funds I was denied by cash app for a refund just losing out on that money. So in short words don't trust cash app they will steal your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX from Experian. I had ask her to remove my soft inquiries. I was told from her that i had to give her all the names of the soft inquiries that. I had explain to her there were to many inquiries. I had let her know that i will call Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

The federal Education Department changed my loan servicer from Edfinancial to XXXX in XX/XX/XXXX   because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the summer, XXXX began reporting my loan information to the credit bureaus but then Edfinancial did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my Edfinancial account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at Edfinancial to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for Edfinancial custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with Edfinancial on an email address I found on the XXXX XXXX  page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my Edfinancial account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX  XXXX people say I have to talk to Edfinancial to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. Edfinancial should not be reporting an open account for me or a balance.
Product: Debt collection

On XX/XX/XXXX, an amount around {$100.00} was garnished from my paycheck in Missouri. I received no notice of this action and asked my company to send me a copy of the papers they had received. Upon receipt of a copy on XX/XX/XXXX, I called the company, Newman Hesse & Associates PA out of XXXX, KS. The woman who answered the phone asked for the case number and told me the case was for a {$20.00} returned check supposedly written in XXXX and that I was served by tacking a letter to the door of where I had been living at the time. I received no such notice and never saw this debt appear on any of my credit reports. The statute of limitations has expired on any action they could take on this debt. They had a judge in XXXX XXXX KS electronically sign a garnishment order for {$1400.00}. I have not lived in Kansas since XXXX and was certainly findable between XXXX and XXXX, and have no record of this judgment from XXXX or from any year since then if they continually renewed it, which would make no sense for a {$20.00} debt which the company surely wrote off as a loss. As soon as I said I would be contacting an attorney, she immediately said I can no longer speak to them at all and hung up on me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the XXXX XXXX XXXX with balance of {$XXXX}, XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, XXXX with a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, XXXX with a balance of {$XXXX}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, and XXXXXXXX XXXX  XXXX XXXX balance of {$XXXX}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

On Saturday XX/XX/2016 I checked my bank account at Wells Fargo they had withdrawn XXXX from my advantage checking account to my other checking account because it was overdrawn and I was not given any notice I called customer service they said when I sign up for Wells Fargo I sign a paper stating that they have the right to cover any overdrawn accounts but they never gave me any sort of notice so right now I have debits out there and checks coming in that are going to be charged for NSF fees the customer service rep gave me the overdraft number for me to call on Monday I even message Wells Fargo on XXXX and a woman named they only said that she will review it and get back to me and I have not heard anything from them I 've been with Wells Fargo for over 8 years and this is XXXX of many problems. I have even reported them to the XXXX for constantly calling me about them calling my number XXXX and XXXX times a day every day even on the weekends including XXXX and XXXX so I have numerous complaints into the XXXX but this XXXX is my main concern they withdrew money without me letting me know and giving me a chance to cover my overdrawn account.