23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been employed in XXXX  XXXX since XX/XX/XXXX( FEMA  ) and have been paying my qualifying student loan every month using Income Contingent Repayment or Income Based Repayment plans since XX/XX/XXXX. I have paid every month and my loan is in good standing. I meet the two qualifications for the Public Service Loan Forgiveness ( PSLF ) Program ( 120 monthly payments and working for qualified employer ), yet I was denied. My employer was determined to be qualified. XXXX is not counting my long history of on time loan payments with my previous two servicers. I have attached a data pull from NSLDS on my loan showing this and I have attached XXXX 's loan payment data. 

DESCRIPTION OF QUALIFICATIONS - PAYMENT HISTORY AND ELIGIBLE EMPLOYER 1 - I have made 120+ qualifying payments >Between XX/XX/XXXX and XX/XX/XXXX. Consolidated loans in XX/XX/XXXX with XXXX XXXX XXXX , XXXX XXXX XXXX. Began payment as ICR, then switched to IBR. Maintained loan in good standing by paying every month, made 53 payments after XX/XX/XXXX. 
>Between XX/XX/XXXX through XX/XX/XXXX. Loan held by XXXX, a XXXX XXXX XXXX   Servicer. I paid every month, note several short ( <30 day ) deferments while XXXX worked out the yearly amount for IBR payments. Record of 65 payments made to XXXX attached. 
> From XX/XX/XXXX through present. Loan switched to XXXX after requesting PSLF. To date, made 8 payments. 

2 - I am a full-time employee at a XXXX XXXX ( XXXX ) from XX/XX/XXXX through present, when I made each of the qualifying payments CORRESPONDENCE DATES : >Submitted Employment Certification Form to XXXX in XX/XX/XXXX. 
>XXXX received my Application for PSLF XX/XX/XXXX >XXXX denied my Application for PSLF on XX/XX/XXXX. Denial based on not eligible yet because I have not yet made the required 120 qualifying payments XXXX acknowledged 8 qualifying payments, only the payments made to XXXX. 

Qualifying Payments = payments made during periods of qualifying employment that your employer has certified via an Employment Certification Form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Product: Credit reporting or other personal consumer reports

Disputing Information in Credit Report I am writing to dispute the following information that your company TransUnion LLC has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX XXXX XXXX # XXXX is inaccurate How are you reporting a account that has been charged of as having one late payment and also having a balance after being charge off. 
Please delete this account. Reporting inaccurate information is illegal Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to express my extreme dissatisfaction with TransUnion. This is the fourth time I am requesting a dispute against XXXX XXXX XXXX XXXX and XXXX XXXX  accounts, which are unauthorized and fraudulent. Despite providing all the necessary documentation, TransUnion is the only credit bureau that is giving me a tremendous amount of issues removing these unauthorized/fraudulent accounts from my credit report. 

I have already submitted a FTC report, proof of residency letter with my utility bill, government-issued ID, and passport to all three credit bureaus. XXXX and XXXX have already removed these accounts from my credit report. However, I am still facing this issue with TransUnion. This has caused me great hardship and stress. 

TransUnion is violating the Fair Credit Reporting Act ( FCRA ) law, and I should not have to accept this level of unprofessionalism and discrimination. TransUnion inability to remove these fraudulent accounts from my credit report is causing me financial and emotional stress. 

TransUnion 's lack of action is intensifying my hardship, whereas XXXX and XXXX have relieved me from this burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Continued to report numerous accounts and personal information I disputed due to it being fraudulent. and provided Identity theft report to back in XX/XX/XXXX. Validated and continued reporting fraud account and later on Bank confirmed it fraudulent. 
I have recently discovered that no score is being generated. Worse than that, Equifax have inserted in my file that I am deceased as of XX/XX/XXXX..!!!!
Product: Debt collection

I had XXXX XXXX XXXX cable for 6 months while I rented an apartment during this time period. When I moved, the movers put the boxes in the attic with the many other boxes. After locating the cable boxes in the attic, I mailed them back to XXXX XXXX XXXX. Last month, my wife went to the XXXX XXXX XXXX store to add another phone line and she was told that the account is showing that there is a balance of {$480.00} due to unreturned cable boxes. I contacted XXXX XXXX XXXX ( XXXX ) two weeks ago and the representative confirmed that they received the cable boxes. I called on XX/XX/2023, to see if this issue has been resolved and removed from my account. I found out that my account was sent to IC System Collection Agency. IC System ( XXXX ) advised me that XXXX XXXX XXXX 's policy is to still charge customers if the cable boxes are returned after 180 days - even though the cable boxes were returned and received by them. Attached is a copy of my proof of return. There was never any disclosure provided to me by XXXX XXXX XXXX of this policy either verbally or in writing. This is deceptive and abusive business practices. I am seeking assistance from the CFPB to have this collection removed from my XXXX XXXX XXXX account and from the IC System collection agency. They are trying to steal money from people.
Product: Checking or savings account

Money taken out of my cash app account on several occasions to unknown source
Product: Mortgage

My mortgage servicer is trying to foreclose on my home. They 're saying that I failed to meet the requirements of my modification trial payment period. They sent me some documents via XXXX. I signed them and sent them back via the prepaid XXXX label that was required for me to use. I made copies of all documents sent to me. They 're saying my first payment was due XXXX XXXX, 2015, my documentation ( from the company ) says that my first payment was due XXXX XXXX, 2015, which was paid. The servicer is saying they have n't received the payment, which I know they have via bill pay through my bank account.
Product: Debt collection

TRYING TO DISPUTE WRONG COLLECTIONS ON MY CREDIT REPORT. AS WELL AS THE AMOUNT LISTED. THREATENING CALLS AND CONSISTENT PHONE CALLS THAT LEAD ME TO CHANGE PHONE NUMBER DUE OF NUMEROUS HARASSING PHONE CALLS. IT DAMAGE MY CREDIT AND COULD NOT ABLE TO ASK FOR LOANS TO PAY SOME OF MY DEBTS DUE OF THE EFFECT ON MY CREDIT.
Product: Debt collection

XXXX is attempting to discount Consumer Protection that is available to me from complaint XXXX. I have requested that they communicate with my attorney only, yet they refuse and have not contacted. I have provided his information again in this complaint and I want them to contact him ASAP. 

1. HRRG had multiple contacts with this consumer, took updated health insurance information and attempted to bill for the patient. 

I verbally told XXXX to stop calling me yet they called me anyways it was only later that I had put it into writing. Regardless of multiple contact info they have the revocation is a global request to cease and desist. 




2. She never asked for phone calls to cease until receipt of the letter from her attorney was processed on XX/XX/2019. 

This is false! I verbally told them to stop yet they continued to harass and threaten me. 


3. HRRG has not violated the TCPA and the consumer provided the number at the time of service. 

False - The use of pre-recorded messages to solicit payment and for non-emergcy purposes is a violation of TCPA. Please call my attorney as previously requested. 

I dont know why I must spend so many countless hours trying to correct he mistakes of this comapny. They have broken the law. I am asking that they contact my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.
Product: Credit card

While I was traveling abroad my information was compromised. Multiple accounts were opened and I couldn't access any of my credit monitoring apps due to that being compromised too. The scammer was using my card and then paying the balance off with stolen bank account information.
Product: Credit card or prepaid card

Our companys US bank credit card has been stolen since XX/XX/2017 when we opened this account. The US bank denied that our account had been stolen. Denied fraud upon received of my report and commissioned a collection agency to call me repeatedly. I asked for four copies of signed credit card checks and they refused. This total amount is {$12000.00}. Just a large sum of them, a total of more than {$20000.00} was stolen. These checks were actually embezzled and paid to XXXX company by their internal staff. We complaint US bank lost our personal information and refused to accept fraud report. No one and no departments were responsible. They transferred me to different people and department many times when I told to them on the phone. Also I complained this situation to you. They didnt response either. Finally transferred to the debt collection again.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX  Bankruptcy - XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Vehicle loan or lease

I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX  ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, XXXX, and Equifax assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my

consumer report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

Mr. Cooper changed my XXXX XXXX policy without permission, forcing my payment to change. They received documentation from another insurance company related to another property. They stopped paying policy in XXXX Then choose another policy at a higher rate. All dine without my permission. XXXX XXXX  canceled policy for non payment from Mr. Cooper. XXXX XXXX XXXXXXXXAs a result, I am struggling to pay my mortgage.
Product: Money transfer, virtual currency, or money service

I initiated an ach transfer about a week ago for approximately {$45000.00} to an external account that is linked and to which I have transferred money before. I received a call from Chases fraud department shortly thereafter. During that call I authenticated my identity, confirmed my intent to transfer the money to XXXX, and was asked why I was moving the money. I said I wanted to move it to a bank that isnt chase. I was told this would be done in about 5 days. 
Today, XXXX, I noticed it had not completed and there was no record of my initiation of the transfer, nothing pending, and no notice of decline. I called Chase and was told that because I didnt provide details on why I was moving the money, it was declined. I was told there was no way to escalate this call or get further details until morning. My money is trapped at Chase despite authenticating XXXX times now. Their customer service is consistently the worst.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX Original creditor : XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} Account number XXXX Date opened XX/XX/XXXX I C SYSTEM Original creditor : XXXX XXXX XXXX XXXX XXXXalance {$3200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$780.00} Account number XXXX Date opened XX/XX/XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$140.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$780.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX Experian**** XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$3200.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute llc for XXXX something this is not my account also the other XXXX account XXXX and XXXX I filed a police report for identity theft and nothing