23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently on an Income Based repayment plan with Edfinancial. Every year, they reject my application and i am forced to place my loans on deferment.

This year, I tried filling out the online ibr renewal form and their website said that I am ineligible for IBR renewal. Clearly this is false information.

This year, I faxed my tax returns along with my application and I have proof that the fax was sent. I received a rejection notice approximately 18 days later. When I called they stated that they did not receive my tax returns.

A previous rejection occurred because created a new ibr renewal form and said that I could not use the one from the department of education. However, they did not notify me of the new form until my application was rejected.

Las year they rejected me based on another small technicality.

When I first applied for ibr, approximately six years ago, I was not aware that my loan had been transferred from the department of education to edfinanical. They stated that they never received my loan application.

I presume they do this so that they may add my student loan interest to the principal. Clearly they are trying to mislead student borrowers and are making the renewal process unduly difficult.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

This complaint is an updated submission related to my previous complaint against XXXX and Equifax. My original complaint did not include complete information about the debt inaccurately reported by XXXX XXXX XXXX. 

The original creditor for this debt is XXXX XXXX  ( XXXX  XXXX XXXX  ), not XXXX XXXX XXXX. This account has been illegally re-aged and is listed with a false Opened Date of XX/XX/year>. The original delinquency date is over 7 years old, making it time-barred under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau has failed to verify the accuracy of this information, causing a XXXX drop in my credit score and impacting my financial health. 

Previous CFPB Complaint ID : XXXX and XXXX Thank you.
Product: Student loan

I phoned FedLoan Servicing XX/XX/22 about my loan forgiveness application and the calculations received. I waited on hold for 40 minutes. I finally decided to request the call back and by the time I received the call back hours later in the day, I was unable to take the call. 

I phoned again on XX/XX/22 and waited on hold for 50 minutes, despite the recording saying it was a 15-20 minute wait. I hung up and called again to request a call back. This call was placed at XXXX. I received a call back at XXXX only for the agent to ask what my call was about - EVEN THOUGH I INDICTED THIS IN THE REQEST VIA THE AUTOSYSTEM and she proceeds to PUT ME ON HOLD AGAIN for what is has now been 19 minutes as I'm typing this and counting.

This is UNACCEPTABLE and infuriating. What working adult has time for this. This is a way to skirt responsibility and answering questions and I am beyond frustrated. They MUST BE HELD accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

Ive reached out to all three credit bureaus 9-8 months ago and I still dont see these fraudulent accounts deleted off my credit report, Ive proven to them that these are not my accounts that were illegally open without my consent, and Im a victim of identity theft, this is not ethical and its ridiculous that I cant even use my own credit or fix it, I cant obtain a home or anything for my family please report these credit bureaus, or reach out to them on my behalf, Ive sent over 4 packet of letters.
Product: Debt collection

This is an urgent and severe message to Midland Credit Management , Inc. XXXX XXXX XXXX. 

Midland Credit Management , Inc. is in violation and have been warned that legal matters will be enforced if I receive absolutely ANY solicitations for a Collection on Debt via Phone, Email or Postal Address. 

Midland Credit Management , Inc. is now in a severe violation of the following : 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692d - Harassment or abuse I am the original creditor that funded this private account with XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has violated Anti-Trust Laws and has indulged in an Unjust Enrichment. XXXX has also written off a debt and has sold my information to Midland Credit Management , Inc. XXXX XXXX XXXX. 

By way of false and misleading conveyance of languages within an agreement, this company has used my private social security number to access my Trust Account as I did not consent to. 

Midland Credit Management , Inc. business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e. 

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 tax forms from XXXX XXXX XXXX XXXX showing that this debt was cancelled. 

I am aware that Midland Credit Management , Inc. buys debt. debt is an asset and it belongs to the original creditor. I am the original creditor. Midland Credit Management , Inc. must return to me immediately this debt as it is against the law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. Midland Credit Management , Inc. has treated my consumer as an employee by using the SSN without proper verification required by submitting the SSN 89 form. I do not have an employer employee relationship agreement with this corporation. 

I do not consent to contract with Midland Credit Management , Inc. XXXX XXXX : XXXX as this entire matter was only between XXXX parties XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I will be enforcing legal punishment for violations of Trust Fraud against XXXX XXXX XXXX XXXX as a very heinous and severe violation of Anti-Trust Laws has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I bought a XXXX XXXX XXXX from equifax on the Equifax internet site in order to monitor my scores. On the last XX/XX/2020 they charge me {$19.00} for the month of service. Two days later on Tuesday XXXX, 2020 i received an Email saying that my product was cancel and if didnt request for that to call them. So i did call them asking why this happen. They never give me an explanation so they ask me to pay again {$19.00} and say they will give a refund for the first {$19.00} dollars. After that this happens again and they said they will give me another refund but i needed to pay a 3rth time {$19.00}. That same problem happens one more times within a week and a half. I Has pay four times {$19.00} And now they dont want to give me the last two payments i made and if i want the service to pay another 5th time. This product cancel by itself i dont know why. I wanted the product but is incredible that Equifax has this problem with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported on XX/XX/XXXX that my credit score, usually around 830 was negatively impacted by an unpaid XXXX account in the amount of {$770.00}. 
I live in Florida and I do not have a XXXX account. My son, XXXX did have a XXXX account ( now fully paid up and having a XXXX   balance ). Experian/XXXX  combined the account using my name too since my son and I share the same last name. 
I attach the last XXXX bill, showing that the account in question was always in my son 's name, and never in mine ( see below ). 
Experian did a shoddy investigation and refuses to acknowledge that I do not have a XXXX account and therefore can not be responsible for any adverse payment history. I was never contacted by a human being, nor asked to submit any additional information prior to the resultant incomplete credit score report of XX/XX/XXXX As my credit score was negatively impacted by false and improper reporting by Experian I need this false result removed and restoration of my excellent credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was sent for a payment. When asked if it went to the correct person, couldnt or wouldnt verify! {$300.00}
Product: Debt collection

Received a call and voicemail XX/XX/2018. They left the following message : '' This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day '' I have never received any correspondence from this group and did not return phone call due to the unknown. Did not know if they were a legitimate company. However, their tactics are inappropriate.
Product: Credit card

XXXX setup an auto-payment to transfer {$300.00} from my checking account to the credit card account twice a month. The first transfer occurred on XX/XX/year> and it was for {$150.00}. There is no indication on the auto-pay process that says they will divide it in half, thereby slowing down the process to pay off your card and building more interest. 

Chat rep " XXXX '' has been unresponsive other than saying this was correct.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION XXXX XXXX XXXX XXXX ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$250.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is about Wells Fargo handling of escrow accounts for property tax & home insurance. After many problems with my escrow account, I tried to have my escrow account cancelled, which would allow me to pay my own tax & insurance. I was told by the customer insurance representatives of Wells Fargo, that it is a requirement of the VA to maintain the escrow because I have a VA loan. I contacted the VA which told me this was not true. The VA stated they do not require property tax & insurance to be escrowed. I called Wells Fargo back, and when they tried to tell me the VA story again plus send false documentation for their claim, I stop them and told them I had been in contact with the VA. That's when the Wells Fargo representative changed the story and said you are right the VA don't require the escrow but it really XXXX XXXX who require the tax and insurance to be escrowed. They whished they could help but there was nothing they could do. They offered to send the documentation to support their claim again. I Then started a day long search to get a good number to XXXX XXXX and a contact person. It was hard but I finally found it. I spoke with XXXX XXXX contact person on mortgage loans. He informed me that It was not true, XXXX XXXX do not require escrow accounts for VA loans. he gave me the article which says they do not require escrowed accounts. Long story short I called Wells Fargo back with this information. This time they said I had to submit a written request and include the article which I did. This time Wells Fargo said, they will not cancel my escrow so I can pay my own taxes and insurance because THEY DON'T WANT TO. My question is why all the Misinformation & false documentation about the VA & XXXX XXXX to back up there untruth about escrow accounts. I still would like my escrow account cancelled so I can pay my taxes & insurance in a timely manner. I would Like other consumers to know NEVER escrow your taxes and Insurance in a home mortgage with WELLS FARGO.
Product: Credit reporting or other personal consumer reports

Company Experian Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX BANK : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX XXXXXXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX OF XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in the XXXX data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.
Product: Debt collection

This letter serves as formal notice of my intent to take legal action against your company for violations of the XXXX XXXX ( 15 U.S.C. 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), and aggravated identity theft ( 18 U.S.C. 1028A ).

Your company is attempting to collect on a debt for which you have no legal ownership or collection rights. The debt in question was sold to XXXX XXXX and subsequently paid in full after charge-off. Despite this, you have engaged in unlawful collection practices and reported false information to credit reporting agencies, violating my rights under federal law. 

Specific Violations : 15 U.S.C. 6802 : Failure to comply with privacy obligations by using or disclosing personal financial information without proper authorization.

15 U.S.C. 1681b : Unauthorized access to and use of my credit report without a permissible purpose.

18 U.S.C. 1028A : Engaging in aggravated identity theft by falsely asserting ownership of a debt and using my personal information to pursue unauthorized collection activities. 
Harm Caused : Damage to my credit profile and financial reputation due to false reporting of an open balance. 
Emotional distress and financial harm caused by unlawful collection activities and the reporting of inaccurate information. 
Demands for Resolution : To resolve this matter without litigation, I demand the following : Cease and desist all collection activities related to this account immediately. 
Provide written confirmation that the account has been closed, with no further collection attempts to be made. Delete the inaccurate information from all major credit reporting agencies. Compensate me for any damages incurred due to your unlawful practices, including legal and administrative expenses. 

Legal Consequences : If I do not receive a satisfactory response within 15 business days of this letter, I will proceed with filing a lawsuit seeking : Statutory damages of up to {$1000.00} per violation under the FDCPA.

Additional penalties for violations of 15 U.S.C. 6802 and 15 U.S.C. 1681b.

Criminal referral for aggravated identity theft under 18 U.S.C. 1028A, which carries severe penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF EDXXXX XXXX Balance Owed : {$48000.00}.
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.
Product: Credit card

I submitted a claim for XXXX. For 2 transactions. It was a dispute. I gave screenshots and typed up a timeline of evidence. The company also told me they would refund me, but I had to go through XXXX. XXXX was impossible to get through to. I sent multiple emails. The evidence I gave was more than enough to find the dispute in my favor. And I see no harm if the company was willing to issue a chargeback. Please reopen my case and actually review the evidence. The agent I spoke to was also devoid of empathy or solution. I did not receive or use what I purchased and the company agreed to refund. Thanks.
Product: Debt collection

I never received any written notices nor phone calls regarding a debt. I did not find out about the debt until my credit score was already impacted and I checked my credit report. When I contacted the collection agency, they said that there were multiple attempts to contact me. I found out that they had the wrong mailing address and contact number. I feel as if I should not be penalized on my credit score due to their negligence and inaccuracy with my personal information.
Product: Debt collection

An affidavit of Billing Error Notice was mailed to Beyond Finance but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices. 
CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.