23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I demand that this company cease all communications with me both directly and indirectly on any and every medium as described in the FDCPA. If this is not done, this company will be in further violation of federal law because as the fair debt collection practice act states, communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Communicating with me via credit reporting is a violation of this act and I will seek compensation if you do not cease as I have a right to financial privacy.
Product: Payday loan, title loan, or personal loan

Ordered product from another company that does business with this company. This company did the financing for the product ordered. Never received the product. Company that product was originally ordered from will not assist or reship product. The finance company continues to debit my checking account and will not stop nor refund the money that has already been debited from my checking account. Both companies keep referring back to each other with no resolve.
Product: Student loan

I called on XX/XX/XXXX to get a refund on loan payments made since XX/XX/XXXX and was told it would take 45-60 days to see the balance updated and receive the refund. I was also told that they were unable to find any information on two of my five total federal loans after they were taken over from XXXX After the conversations, I received no additional information that the request had been submitted and have not heard anything since. I need the refund to be sent and the balance to be updated before the forgiveness form becomes available in XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX  in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX, XXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

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

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 4. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is never late.
Product: Credit reporting or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I find myself disputing this company every month. They are in properly reporting. On XXXX XXXX the derogatory remark was removed yet it is still present on XXXX. I explained to the company that I did not live at the address as well as my social security number was compromised on several occasions. Many purchases made I was not even present in that state. They also have an account from XXXX and I was only XXXX at the time that they are demanding payment. XX/XX/XXXX- XX/XX/XXXX I lived in XXXX   and once I left XXXX  I moved to XXXX  . I have been living in XXXX  since XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we obtained a consolidation loan in the amount of {$21000.00} from XXXX XXXX XXXX. The loan was sold on the same day to XXXX XXXX XXXX, XXXX. However, we continued to make regular monthly payments to XXXX XXXX XXXX. On XX/XX/XXXX our loan was again sold to Providian National Bank and we allegedly obtained a {$10000.00} cash advance that made the balance balloon from {$21000.00} to {$33000.00} due to fees and interests. In XXXX the loan was possibly sold to XXXX XXXX  loan # XXXX in the amount of {$34000.00}. We have made payments to XXXX XXXX for at least 10  years ( XXXX ). We are in the process of selling our property located at XXXX XXXX XXXX, XXXX, North Carolina XXXX We are being told by the buyer/closing attorney that our property has two liens held by XXXX XXXX XXXX and Providian National Bank due to the improper or inadequate process of transferring of the loans. Please help us find the lien releases and/or letters of satisfaction on these above-mentioned loans.
Product: Student loan

MOHELA is reporting the wrong account balance on my account since XXXX. They have not rectified this issue. It appears that they are reporting an erroneous loan amount of {$28000.00}. This has more than doubled my actual amount owed. There are no callbacks. The wait time is nearly an hour with multiple disconnections. There is not a customer service rep, supervisor or manager working on this issue since I first reported in XX/XX/year>. There is no continuity of service. My problem must be started from the beginning with every customer service person that answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the disputed account from my Credit file. Although I truly appreciate the removal of one of the disputed account from my Credit File, there is still an account that is still reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit reporting act section 605b, the Credit Reporting agencies are required to remove the disputed accounts and information that resulted due to Identity theft from my Credit File as soon as possible. Once again, I am submitting this CFPB Complaint requesting the removal of the account : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} from my Credit File.
Product: Credit reporting

I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX   and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XXXX ) 2. XXXX XXXX XXXX reported the account as being opened in XXXX, which is also false. The mentioned account was closed and discharged in XXXX.
Product: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$260.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously violated my Fair Credit Reporting rights by not reporting accurate information on my credit reports. I filed a notice on XX/XX/XXXX. I requested that Equifax investigate and send copies of my files that they have concerning this account. 

Equifax responded that they researched the account but did not investigate my claims as the law demands 15 U.S.C 1681. I have requested over 10 investigations concerning this account and Equifax does not investigate the file but they delete payment history information or they delete information from the file or employees at Equifax will leave it empty. This is not right. 

I have enclosed a copy of the most recent letter I received from Equifax. You clearly see they have erased the payments history and it is not in order, the information is not complete, its missing information, and the dates don't add up. I have continued to complain that the last payment date was XX/XX/XXXX and they erased all the payments. 

I would like Equifax to delete this account if they can not provide me a copy of all documents/ records related to this account according to FCRA 15 U.S.C 1681g. Equifax is damaging my ability to obtain credit because of the false information they are placing on my report from their offices.
Product: Student loan

I 've had my loans with the same processor since I graduated and started making payments in XX/XX/XXXX. I received information that my loan was being transferred in XX/XX/XXXX from XXXX to AES, a division of PHEAA. My loan was transferred on XX/XX/XXXX, and my payment was due XX/XX/XXXX. I could not set up online access to my account, and contacted AES via their website " contact us '' option. I did n't receive a response until several days later, after a second attempt to contact them on the date that my payment was due. I also received 2 pieces of mail from AES the same day, one dated XX/XX/XXXX that read " There will be no change in the terms and conditions of your loan as a result of this transfer. '' The second was dated XX/XX/XXXX, and read " There has been a change in the repayment terms for the loans listed on the reverse side of this letter. '' Due to this, my loan payment amount went up approximately $ XXXX/month from $ XXXX/month to $ XXXX/month. After multiple calls and speaking with various departments and individuals and getting different answers as to why I had no access to my account online, and why my payment amount had changed and why I had received 2 letters on the same day from AES with completely conflicting information, I did 2 things. I sent via fax documentation that I was told was needed to confirm my married name and change from maiden name in PHEAA records and I received confirmation that the fax had went through. I also filed a complaint with the BBB, which is still ongoing. Per the complaint, AES is claiming that they sent me a formal response on XX/XX/XXXX, yet I have received nothing and there has been no attempt to contact me, outside of a paper billing statement for my student loan account and a paper telling me that they were raising my interest rate ( which seems to be punitive in nature, as the raise in interest rate occurred after the filing of the complaint with the better business bureau ). This increase in my interest rate is now the second rate increase in 2 months ( XX/XX/XXXXand XX/XX/XXXX ). I finally contacted AES via phone today, as I do not want to end up negatively impacting my credit score with late payments, and was told by a supervisor that he could not change the monthly payment amount because I had to have it paid off by the amortization date that they had set upon taking over the servicing of the loan. I was also told that they still have my maiden name in PHEAA system, which is why I can not create an online account to access my loan, and they also have no record of my documentation being sent, which included important personal information - a copy of my Drivers license, marriage certificate, and social security card. I confirmed the fax number that it was sent to, and it was the correct fax, and I have the documentation of everything that I have mentioned and described above. After 14 years of making payments on loans, I find it absolutely insane that one company can transfer my loan to another company and then they can change my payment amounts, interest rate, amortization date, etc. any way that they see fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX there is no balance owed on this account
Product: Mortgage

We have tried to work with New American Funding for home retention assistance on our Mortgage XXXX # XXXX numerous times since the default on XX/XX/2023, to avoid foreclosure. However, each time the file is canceled due to information not submitted even though there is proof the documents were submitted each time and by the due date. We are currently working with a HUD approved Housing Counseling agency, XXXX XXXX XXXX XXXX XXXX at this time for assistance. New American Funding is doing the same thing to XXXX XXXX XXXX XXXX even though ALL documents have been submitted in a timely manner. During the process, New American Funding filed for foreclosure on our home in XX/XX/2023, under XXXX XXXX XXXX case # XXXX in the middle of us trying to work out assistance. As it stands right now, a response to the summons ( attached ) was submitted yesterday through mail to the court and New American 's attorney.
Product: Student loan

I have been a XXXX XXXX employee for 12 years. I have made 120, timely payments as necessary for Public Service Student Loan Forgiveness, ( PSLF ). However, I was denied both PSLF as well as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ). First, I was told that I didn't qualify for PSLF because I never moved my loans into an Income Based Repayment Plan. I was never informed of the requirement to do so, nor would that have made sense financially. When the program began, I was told to just keep making payments and that I could not do anything or apply until the 10 years had passed.

After the 10 years had passed, I applied and was denied for very confusing and nonsensical reasons. When I recently applied for TEPSLF, I was denied indicating that only 20 of my payments qualified rather than the necessary 120. I never moved my loan into an Income Based Repayment Plan after I was initially denied, so this doesn't make sense. Why do 20 now qualify and don't all of my payments qualify? I have made them in full, on time, as required for over 10 years in a Standard Repayment Plan. This " forgiveness '' has been misleading, deceptive and profoundly disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Money transfer, virtual currency, or money service

I sold 4 Virtual currency on XX/XX/XXXX, the Email I received from Coinbase Stated the 4 transaction would be completed on XX/XX/XXXX. as of XX/XX/XXXX 60 days plus I have not received my Payment. I have called Coinbase Customer service every week for status, and tell me the same thing every week. your case has been escalated as a High priority. However I never hear from them. I filed a case with XXXX  Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against Coinbase , Inc . Your complaint was assigned ID XXXX. 

The XXXX XXXX XXXX has made two attempts to contact the business regarding your complaint. We regret to inform you that we have not received a response at this time and this case has now been closed as an UNANSWERED complaint in their file. Because we are not a government agency, we can not force a business to respond. You may wish to contact your Attorney General or like agency. 

I'm Hoping CFPB can resole this issue Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my 3 credit bureaus ( XXXX, XXXX, TransUnion ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.
Product: Debt collection

XX/XX/year> Valley Credit Sevices issued a garnishment in the effect of {$1800.00} to my employer XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX payments cleared in the forms of garnishment payments from my checks. On XX/XX/XXXX Vallwy Credit Sevices attorney XXXX XXXX XXXX filed to have an additional garnishment ( former employer ) placed to XXXX XXXX XXXX XXXX XXXX XXXX  in the amount on {$1400.00}. Filing to have a XXXX garnishment put in place foe the same debt despite already receiving payments from my current employer. 

This company also has never made contact with me regarding the debt they were seeking to collect. I had not recieved any phone calls, emails or mail regarding the debt. Please see attached as they are charging more than XXXX XXXXimes the initial debt. 

Thankfully I do not work XXXX XXXX XXXX but the fact they attempted to illegally garnishment me XXXX  times with XXXX differnt employer is at XXXX different dates for the same debt ... after having obviously recoeved XXXX payment before filing the additional garnishment.