23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was just reading this link about the bankruptcy with XXXX Colleges. XXXX XXXX. There is a section stating that this case does not include federal loans and to contact your servicer for more information and to file a complaint if they do not provide information. I called Genesis and was told that the ruling did not include private loans, only federal loans. I am worried because Genesis sold my loan to another company and they will be handling my payments as of XXXX XXXX, 2015. Am I misunderstanding your link? I was under the impression that Genesis loans were the loans to be reduced 40 %? If they 've sold my loan does this mean they will not have to do this? I feel I was mislead by XXXX. I was only aware of my Genesis loans, not the additional {$26000.00} in federal loans and I can not afford to pay XXXX. That would total {$560.00} a month on my $ XXXX salary. What do I need to do to become part of this?
Product: Payday loan, title loan, or personal loan

XXXX XXXX have been calling and emailing me threatening to contact my employer if I don't pay the loan. I received an email from XXXX XXXX stating and I quote " This is the final notice about your loan we have tried in many different ways contact you to talk about your past due balance, we demand the payment of the past due balance as soon as possible. 


At this time we must make a decision on whether we need to increase collection efforts by attempting to contact you at your place of employment that you gave us when loan was originated. You can avoid this disturbance by reaching out to us Please contact me at XXXX If you decide ignore this notification your account will be forwarding externally. 

Best Regards, XXXX XXXX I need them to stop all methods of contact immediately because I have contacted the Federal Trade Commission and will take other legal avenues if neccessary. DO not contact my employer at all.
Product: Student loan

I graduated in XX/XX/XXXX, so my entire repayment has been during COVID-19 forbearance and I made several payments to my federal student loans during this time. Given the recent changes made to the PSLF program and meeting the program requirements since graduation, I applied. I therefore did not have to make payments during this time ( forbearance ) to receive credit towards PSLF. On XX/XX/XXXX, I submitted a request for a refund from Aidvantage for payments made during the COVID-19 forbearance period, as previously was published on FSA as an option. I was told I would find out by XX/XX/XXXX regarding its approval. I followed up on XX/XX/XXXX on my refund status and was told the request was sent [ presumably to the Treasury ] on XX/XX/XXXX and I would receive the funds in up to 60 days. On XX/XX/XXXX I received a letter stating the request was denied due to the request not being made by XX/XX/XXXX. On XX/XX/XXXX, I left a voicemail to the writer to discuss but never received a call back. I contacted the Ombudsman Group XX/XX/XXXX after several attempts to follow-up on the response and failed escalations through Aidvantage customer service lines. The Ombudsman Group confirmed there was only ever a period of COVID-19 forbearance ( XXXX ) during which payments made could be refunded published on the FSA website. They confirmed there was never a deadline advised by FSA.
Product: Debt collection

On XX/XX/XXXX I received notice from my mortgage service, Mr. Cooper, that the servicing of my home loan would be transferred to XXXX, XXXX effective XX/XX/XXXX. On my bank bill pay app ( XXXX XXXX XXXXXXXX XXXX ), I promptly changed the address to send the payment as outlined in the notification letter. 

Everything was fine until late XXXX, XXXX when I received a letter from XXXX, XXXX that my XXXX payment was late and they were charging me a late fee in the amount of {$110.00}. I called XXXX on XX/XX/XXXX to complain about the late charge, and was told that the late charge would be waived. The XXXX on the phone, 'XXXX XXXX, tried to convince me to establish direct auto-pay with my bank, which I declined. Nothing was mentioned in the phone call about processing issues at XXXX. 

I've had this mortgage since XXXX, thru various servicers, and have consistently sent payment from my bank to arrive between the XXXX and the XXXX of the month. My XXXX  score is XXXX and I've no recollection of ever having a late mortgage payment. 

XXXX then charged me a late fee for the XXXX payment {$100.00}, which is still active. In late XXXX, XXXX sent me correspondence that I was entering the wrong account number on my check payments. 

My complaint is the complete lack of communication regarding an account number change from either the previous servicer ( Mr. Cooper ) or XXXX XXXX, XXXX until after XXXX late charges were posted, with XXXX still in effect. I have correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no mention of an account number issue being conveyed. 

Note the similarities in the account numbers from Mr. Cooper and XXXX XXXX : MR Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first XXXX numbers and last XXXX numbers of the dual XXXX number accounts are identical. Without notification of the account number change, it is dubious for the servicer to expect the slight change to be noticed, and I continue to dispute the late charge XXXX is trying to assess. Note that I changed the account number on my bank XXXX XXXX as soon as I was notified by XXXX XXXX that the account number on the checks was incorrect. 

Additionally, the table below shows when my financial institution ( XXXX XXXX XXXX XXXX  ) reflects delivery of the payments, and the date in which they were cashed starting in XX/XX/XXXX and as recent as today, XXXX XXXX : Bank record - Arrival Date Bank record - Debit Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Note that in good faith, I have been accelerating arrival dates due to the slow processing by XXXX XXXX. 

For reference, I've also submitted a complaint with the State of MN Attorney General 's office, RE : XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  at approximately XXXX I made a tranfer to a relative XXXX XXXX XXXX XXXX XXXX through Sendwave money transfer company for the sum of {$2600.00}. On arriving the bank for pickup the recipient ( my relative ) XXXX XXXX XXXX, was alerted by Sendwave messaging network that the funds has been picked up by her which was not true. After reporting the issue to sendwave complaints department I was told the issue is being looked into, but the pace of the investigation has been very slow. The money sent was for a life and death suitation and every time delayed causes more harm than good. I feel I am not been taken seriously, and need this issue resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Experian is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and notice some things are incomplete & inaccurate.According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX  XXXX, open date not reporting correctly, date last active, date of last payment & account is inactive & CLOSED ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. The information in question relates to a collection from CCS Collections with an alleged balance of {$150.00} and a status of paid, which I did not make any payment toward this debt collection agency.

This collection is not only inaccurate, but it also violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information included in consumer reports. In this case, the collection account is inaccurate and should not be reported as paid when I have not made such payments.

2. 15 U.S.C. 1681i ( a ) ( 1 ) : I am formally disputing this item, and I am requesting that you investigate the validity of this debt. As required by law, I expect this investigation to be completed within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency is also prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt, which appears to be the case here. 

I request that this collection be removed from my credit report immediately as it is inaccurate and misleading. Please provide me with a written confirmation of the deletion of this item from my credit report. If this item can not be verified, it must be deleted under the law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this error has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the XXXX XXXX and Equifax and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, XXXX as well as Transuion are all in violation of the FCRA ...
Product: Debt collection

CFPB report prior to current filed with not identified response reiterated through a view of retaliation in a routine manner for a not new amount of XXXX with a portioned check from XXXX XXXX legitimate or to the view or scene not. Money voluntarily paid and during aspect of XXXX  XXXX  while contemplating over XXXX XXXX  application and death of second girlfriend. Keeping relations of fortitude with balancing legitimacy between previous papers if not dictated over and distributed with economic caution along with acknowledging previous XXXX XXXX  distributed by loss of loved people, was viewed as possible and identifiable advantage moment. This moment was then financially overcompensated which was to be {$1000.00}. Then, a new checked balance {$170.00} was as to be and sent over in a elbow shove with CFBP paperwork. Check in hand made out me, and signed through acts of forgery subscribed to the ownership of my personal matters. I would like to send check voided paper non landscape font copy to CFPB. XXXX XXXXXXXX XXXX XXXX XXXX  seems to be to distributed bank of not choice, but explicated option of a pour over again mentality. Check sent to US Bank received onto me or to me was comprised of total summed {$2400.00}
Product: Debt collection

I recently reviewed my credit report and noticed several accounts I believe were added without my consent. Please block and remove these fraudulent accounts at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Springleaf Financial Services creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the XXXX   website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My XXXX  credit report shows that currently XXXX is reporting Springleaf Financial Services ( Springleaf, Springlf Fin ) is a closed account with {$0.00} balance and no late payments. So because Springleaf is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in XXXX/XXXX   from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows Springleaf by any alias to report on negatively on my credit because I have no financial obligation to them as Springleaf reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by Springleaf nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle and their handling of disputes.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Product: Credit reporting or other personal consumer reports

To whom this may concern. My name is XXXX XXXX. I was looking through my credit report, and I noticed a bunch of fraudulent activities that I am just now getting a chance to address. I filed a FTC fraud report in which I will be attaching here in hopes that the credit agencies can address this matter, and remove these items from my credit report as soon as possible. All of the inquiries on my credit report were done by fraud maybe by a ex girl friend. I dont know. All I know is I did not apply for these things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SERVICES {$1000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX SERVICES {$6300.00} XXXX INQUIRY : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Product: Debt collection

I paid a collection in XXXX of 2020. Collection was paid in full. A few months pass and I notice another collection for the same/around the same debt popped up. I went through my records and found the original payment receipt. The debt collector is saying this has not been paid, but my records show otherwise.
Product: Credit card

XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, Discover and XXXX XXXX, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, XXXX XXXX sent an affidavit to be notarized. These are stall tactics that XXXX XXXX is using to continue to leave this fraudulent account open in my name. 

Both Discover and XXXX XXXX are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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.