23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I changed Loan Consolidation Companies from XXXX, North Carolina XXXX XXXX XXXX, and XXXX to a third party online Federal Student Loan Consolidation Company called XXXX. XXXX XXXX and I had several conversations about the new management of my XXXX  XXXX and XXXX XXXX and he assured me that my Education wouldnt be at stake. I suffered from an accident inside of my own home in XXXX when all of the sudden I was out of commission and struggling to regain my own health for thirteen consecutive months in a row since XXXX, XXXX. In XX/XX/XXXX I returned to my hometown and applied for Federal Student Loan Forgiveness or Cancellation due to my XXXX XXXX and  XXXX XXXX XXXX XXXX application that I completed with a Real Medical Doctor in XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX contact numbers ( XXXX ) XXXX. He has been a Family Doctor since XXXX. And in XXXX he and I together finally got approval for {$50000.00} Dollars of Federal Student Financial Aid or Federal Loans borrowed from The Federal Governments Department Of Education from XX/XX/XXXX to XX/XX/XXXX in the amount of {$30000.00} Dollars. My Social Security Card was stolen before my accident inside of my own home at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX email : XXXX XXXX XXXX Password : XXXX. The Hospitals Group Home for Adults needing 24 hour care was XXXX XXXX XXXX XXXX or XXXX XXXX, XXXX. Managed by XXXX XXXX XXXX that changed management in XXXX and is now called XXXX XXXX. ( With the Butterfly ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX. The workers there were XXXX, XXXX, XXXX, and XXXX XXXX Supervised by XXXX XXXX. My peers and roommates were XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Two people came into the Group Home about one or two months before I was to be XXXX  completely and understood that I had Federal Student Loans Outstanding with a balance due of more than {$30000.00} Dollars since XXXX. She told me about Federal Student Loan Forgiveness and that through, by, and with XXXX XXXX XXXX XXXX approved by an MD that my Loans could be reduced and possibly forgiven due to a XXXX XXXX and an Application Form Process that takes approximately one year to Complete inside the The Federal Government. XXXX XXXX made this process take six years. Thank you.
Product: Debt collection

These amounts should never have gone into collections as I am a XXXX XXXX   XXXX veteran. I notified original creditors of my two insurance carriers, Medicare and the Veterans Administration. Whatever co-payment that was left from Medicare should have been billed to the Veterans Administration.  The VA is ultimately responsible as I was taken to the closest hospitals for care from my XXXX XXXX rather than to VA hospital which was about 35 miles away
Product: Checking or savings account

When I realized me and my kids were victims of an organize crime ; the fraud account with Bank of America had be FRAUDULENTLY used 7 years prior and account was closed. My information was breached, acct mishandled, statements showing my name XXXX XXXXXXXX XXXX and statements were going to XXXX XXXX XXXX the college he is XXXX at in FL. I reached out to Bank of America in XXXX and XXXX due to finding out then I was a victim of some serious crimes and the fingers were pointed at me as if I'm the criminal of financial crimes when really I can barely count. I've suffered from financial hardship since XXXX. The account had deposits I was unaware of, XXXX atm card being used in different states and cities in the same day before and after I closed the account. The account was linked to a breached email XXXX and XXXX. Ive suffered from XXXX XXXX, XXXX, Banking Threats, Banking issues due to conflict of interest. I'm dealing with Mail Theft due to receiving mail from companies ive reached out to. When doing a change of address it was unable to be changed through USPS for these people address which is XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX fl XXXX. The GEOLOCATION for my address is being altered and swapped to where I recieve no mail. They've gotten over a 10 year lead way on me with Bank of America, XXXX XXXX, XXXX, etc. They've FRAUDULENTLY taken out life insurance policies and cashed out faking me and or my daughters death for money, took out student loans using my full name due to having knowledge I never used my full name for anything. Bank of America refuses to remove the fraud info and prosecute the real criminals. Ive been singled out and feel like the world is against me and it is due to over XXXX being spent FRAUDULENTLY through banks CD accts trusts foreign assets forieng banks, life insurance XXXX insurance through now over XXXX person schemes ... ..HELP before I die of a nervous break down or they do it first ... they are misspelling my name to XXXX, XXXX etc and my last name being misspelled etc. They are blackmailing people I know to steal from me important papers documents for evidence. Police reports but no officer never investigate. This has caused hate crimes. There is XXXX XXXX XXXXXXXX XXXX XXXX Etc insurance companies involved using family members names, me and my daughter sharing the same XXXX when that's impossible, child support fraud ... XXXX needs to be audited due to conflict of interest breach hippa privacy laws altering information thats not true accusing me of several crimes that I'm innocent of, child support payments I never recieved for my kids showing up in Bank account as if they paid when they really didn't i have no one to help me
Product: Student loan

In XXXX of XXXX and XXXX of XXXX Iowa Student Loan/XXXX loaned me two amounts {$5800.00} and {$3700.00}. No problems with that but as I learned about repayment and and interest rates when reviewing things I learned that my interest rate was 8.4 % fixed rate. I tried refinancing a few years back when my husband mentioned how high that was, and at the time I didn't care much i was doing my job by just paying my debt. Now today, I opened my account to review it again and just realized what I've been doing and how I'm getting taken advantaged of. Those two loans total {$9600.00}, however the payment history showed that I have paid {$18000.00} to date- that's twice the amount of the loan. And to brake it down {$6200.00} for a principal and {$12000.00}. I'm outraged by this, I feel like that have taken advantage of me and now here I sit with a feeling that this isn't right at all. I still owe {$7000.00}. I feel like i've been ripped off. That they are just reaping in the benefits of all this interest and here i am stuck paying this loan off till i'm XXXX. How can this be right?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to Experian Directly, Experian has mishandled my information and is doing nothing to protect my information. I have talked to numerous representative about adding extra security precautions but they are not willing to provide other authentification factors besides questions from my credit report which the fraudster already have. 

I have called them numerous amount of times to change my login information and re add fraud alerts and dispute many items. 

What I would like Experian to be to do is allow the consumer to opt-out of any automated systems, login removals, and add other factors of authentication such as special passwords or two-factor authentication such as password generators or SMS text which only I should have access to. 

The security system in Experian is out-dated and is handled by third-party sources which should not be the case since this information is extremely sensitive. Please have Experian update their security measures and provide more options for the consumer to protect their information.
Product: Debt collection

Received a letter from XXXX XXXX XXXX, XXXX. Representing Discover Bank, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX XXXX XXXX : XXXX Part. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt or credit management

I paid for lifetime services from this company and they failed to provide any services at all. Recently they stated I was to get XXXX from a settlement and just had to pay XXXX to continue services and XXXX per month after. That was XXXX and I havent had contact since. Nobody answers the phone and XXXX never replies to emails. I want a full refund of services I paid for with no service done.
Product: Mortgage

We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.
Product: Debt collection

I had to be the one to play phone tag and find out who had my debt because I was never contacted. I found out that they had received my debt on XX/XX/2022. I called on XXXX XXXX XXXX to find out about my debt. I let them know that according to the Fair Debt Collections Practices Act that they did not contact me within five days of receiving my debt and because of that my debt is now invalid and it needs to be thrown out. I was told by a supervisor that it would be cancelled and they would be sending a letter to my address within 10 days that verified that it would be removed and cancelled. On XX/XX/2022 I called again because I had not received any notice like I was told I would be getting. Speaking to the supervisor, I was told that I was lied to and that they can not cancel the debt and send out a letter verifying the cancellation. I was told that it was still being disputed and that I may still owe if they find it to not be disputable. I let him know about the Fair Debt Collections Practices Act and by not removing the debt that they were in direct violation of it. When I had mentioned that, he got very pushy and rude and essentially told me that nothing is going to change and it is still being disputed. Then I was hung up on. I called back about 10 minutes later to try and get it removed and the same thing happened with the other supervisor that I talked to. I told them that I never signed any forms or papers stating that I agreed to this debt and that they are in direct violation of the Fair Debt Collections Practices Act. They then told me that I will need to wait because they are still disputing it with themselves. Throughout the whole process they as a company had violated almost every part of the Fair Debt Collection Practices Act and they did not seem to care and got very angry with me and hung up on me multiple times when I had mentioned the Act to them and how they were in direct violation. Also throughout the whole process I never received any verifying information from them or even a letter stating that they had my debt. The debt collections agency was Phoenix Financial Services seeming to be located in XXXX, IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile
Product: Credit card or prepaid card

I received a letter last summer 2022. It stated that my current XXXX XXXX XXXX was going to be replaced by an new XXXX  thru Comenity Capital Bank. I received the new card and on XXXX, 2022 I activated the new card and registered for my online account. I received a confirmation email indicating that I activated my card & registered for an online account. I then tired login but could not and thought it would maybe take a day or so to be completed. Well after several weeks went by and now needing to make a payment I tried logging in again and still could not get into my registered account. The several times that I would login I would always get a message stating that there is no email on file & they have to contact me. Again they sent me a an email after I registered and activated the card as it was required. 
So I called to make my pymt & told them the problem I was having and they said they are working on correcting it. Then a few weeks later I received an email from the president apologizing for the problems that many customers were having. So today XX/XX/XXXX I thought all should be ok as I received an email about my online statement being available. Again I can't get into my account. I get a message stating that no email is on file with them. They have my email as I confirmed it with them when I made my first pymt to them by phone and also received about 5 emails from them since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Debt collection

XX/XX/2022 I spoke with XXXX at XXXX. He confirmed that there was no signed contracted with my signature, but he will send me a letter of what's owed. I told him, I'm completely covered by medical insurance and has NEVER done ANY business with ARS ACCOUNT SOLUTIONS which comes off deceptive with the name also listed as ACR XXXX XXXX XXXX XXXX XXXX  on my credit report, this was my reasoning for calling. XXXX also confirmed the amount owed as {$2000.00}! When I realized I was speaking to a debt collector, I immediately told XXXX I would be making a complaint to Consumer Financial Protection Bureau and we both ended the call. 

I want this company ( ARS ACCOUNT RESOLUTION ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 2.Proof of my identity 3.Proof that ARS ACCOUNT RESOULTIONS owns this debt or the Contract giving you power to collect. 
4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports.

Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature
Product: Debt collection

I am receiving non stop robo calls leaving messages on my cell phone and now work phone. My work phone is a XXXX phone so it also records all the calls/messages and forwards them to a shared email. They have been asked to stop and simply mail me the bill. But instead of doing as asked they continue to call my place of employment nonstop. I am considering contacting our legal department as these are medical bills so they can stop trying to intimidate and threaten me in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my surprise, I saw a collection account showing up on my Transunion XXXX XXXX credit report. I wrote them the letters to validate and verify that the info is accurate. Till to the date, even requesting them to validate the accuracy of the account- I have not received any documentations that supports that account belongs to me. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they had stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine

Account name:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reported this XXXX  XXXX bill and a collection company called LVNV funding for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB LVNV funding sold this account to this new company called XXXX XXXX XXXX , XXXX. LVNV funding was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC case # XXXX.
Product: Credit card or prepaid card

XX/XX/2022 TO : Consumer financial protection board ( cfpb ) RE : Credit card theft by XXXX account registered under email address I am lodging a formal compliant of credit card theft against the payment system XXXX, aided and abetted by Discover card. 

I have accounts with both companies. I have the XXXX account ( under email address ) purely for an occasional convenience and rarely use it. But XXXX on about XXXX stole a credit card authorization on a Discover card I own. Prior to XXXX, I had received a couple of email notices from XXXX that a Discover card on my XXXX account was about to expire and that I should update the card which is all that the notices said. I ignored the notices as I wanted to let the card expire after which XXXX would no longer be authorized to use it. I never received a notice from XXXX detailing any consequences or actions the company would take if I allowed the card to expire. I NEVER AUTHORIZED A RENEWAL OF THIS CARD FOR THE XXXX ACCOUNT. Nonetheless, I received an email from XXXX on XXXX notifying me that it went behind my back with no authorization from me and updated this card to renew it. The XXXX notice is attached. 

Credit cards have expiration dates because payment agreements by customers are NOT perpetual with any vendors or payment systems. Customers carry the legal obligations of debts and by that they have full and total authority over any and all authorizations of credit with vendors or payment systems. 

NO XXXX  actions can not be legal. When someone dies or is incapacitated or just no longer wants a previous payment arrangement, they have a right to have a financial charging agreement die with the expiration dates. Their cards can not be endlessly renewed and/or charged by a vendor of any type. 

I do plan to completely terminate my account with XXXX. But if I do that before this theft complaint is investigated, XXXX could claim that I never had an account. This is a HORRIBLE, NIGHTMARE company that makes customer complaints disappear and preys on consumers. 

Respectfully submitted
Product: Credit reporting or other personal consumer reports

I pulled my annual credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX  list an account in defaulton my credit reports ExuifaxXXXX XXXX XXXX XXXXXXXX. Please note that Equifax data breach on XX/XX/year> : The web portal XXXX XXXX breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took Equifax XXXX XXXX : to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.
Product: Credit reporting or other personal consumer reports

In XXXX i took out a construction mortgage with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX XXXX. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX  and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with XXXX XXXX and transunion and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story