23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I received a notice disclosing that my account had been put into forbearance and due to injunction on the XXXX plan and since XXXX  days had passed, that no payment would be required and that my interest rate would be set to 0 %. and " This means no interest will accrue while you are in the forbearance. '' On XX/XX/XXXX my loans were listed as {$260000.00}. 

On XX/XX/XXXX later this month my loans had increased to XXXX. At this time, I paid {$1500.00} to my loans, despite the notice that I was to have 0 % interest because I was afraid my loans would continue to accumulate. This reflected in my account and the next time I checked in XXXX my loans were XXXX showing that interest was continuing to re-accrue. 

On XX/XX/XXXX my loan balance was again XXXX and currently on XX/XX/XXXX it is XXXX. During this time, I have spent multiple messages of correspondence to Mohela through the email and have tried to call for multiple hours ( XXXX day spending XXXX hours on the phone ) attempting to speak to a representative who can assist me in clarifying my loan accrual status. Each time I am cut off after hours on the phone, or on the rare occasion that I do connect with a live human representative, I am told that I need to speak to an advance rep or supervisor, after which my line shortly disconnects, or disconnects after waiting an additional hour, with no forewarning. 

I would like clarification and I believe that loans should be lower than they currently are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information on my consumer credit report. They have broken every law under the 15 USC 16 81 a 3 & 4 act. Also under 15 USC 16 81 b 2 My privacy has been intruded without any of my consents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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
Product: Debt collection

I am filing a formal complaint against Midland Credit Management , Inc. ( MCM ), Midland Funding, LLC, and their affiliates for deceptive and harmful practices related to an alleged debt they claim to own. Their actions include fraudulent docket entries, failure to validate the debt, and the addition of excessive and deceptive fees that have inflated the balance far beyond the original amount that has caused significant financial harm and obstructed my ability to grow wealth. 
XXXX. Alleged Debt and Judgment : MCM claims to have purchased a debt from XXXX Bank on XX/XX/XXXX, for a XXXX credit card account with an original balance of {$800.00}. 
A default judgment was entered against me despite my inability to properly defend myself. 
XXXX. Fraudulent Identity Claim : I have never done business with MCM or its affiliates, and they do not possess my wet-ink signature. 
I believe my identity has been stolen and used to fabricate this debt. 
XXXX. Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, requesting debt validation. 
MCM failed to respond, violating the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inflated Balance and Fraudulent Fees : The alleged debt has ballooned from {$800.00} to {$1300.00}, due to unexplained and deceptive fees. 
Fraudulent payment entries include : XX/XX/XXXXXXXX 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  These fabricated payments may constitute fraud.

5. Harm Caused by Garnishment : MCMs actions have obstructed my ability to acquire wealth, as funds are being withheld by another entity based on fraudulent garnishment claims. 
My financial institution, XXXX XXXX XXXX XXXX, confirmed there is no garnishment order from this group. 
XXXX. Statute of Limitations Concerns : I am concerned that the statute of limitations may have expired to file a motion to vacate the judgment. This judgment is invalid and unenforceable due to their failure to provide documentation and fraudulent actions.

Violation of Consumer Protections : Midland Credit Management , Inc., and its affiliates have violated my rights under the following : Fair Debt Collection Practices Act ( FDCPA ) : Failure to validate the alleged debt, despite my formal request.

Fair Credit Reporting Act ( FCRA ) : Furnishing and reporting inflated balances, fraudulent payment data, and inaccurate garnishment actions, which harm my credit profile and financial standing.
Product: Checking or savings account

Wells Fargo Began billing me monthly fees without any notification. When I contacted them they said the fees are nothing new and offered me 25 % refund. I declined and they continue to bill me monthly without explaining why. I have had my WF account for over 20 years and they suddenly began billing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 The accounts below are fraud accounts that are added to my credit report and needvto be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Fraud/Theft ) XXXX XXXX XXXX  # XXXX ) - XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax erroneously posted someone else 's name, social security, addresses, and credit history to my account. This was isolated to Equifax as other bureaus did not have this these errors. 

I open a disputed to request Equifax to remove the name, social security number, and addresses and credit history from my account. The dispute resulted in removal of the other person 's name, social security and addresses. However, the credit history was not removed. I opened a second dispute on XX/XX/XXXX and it's been two weeks without an update. I'm in escrow and this affected my load application.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely in effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XXXX we received a statement from our newest loan servicer Gregory Funding, LLC ( our loan has been transferred 3 times in the past year ) that our monthly payment was increasing by $ XXXX. 
I called to inquire about the increase and after waiting in their que for XXXX minutes, I was told that we have an escrow shortage of {$100.00} from our previous loan servicer XXXX XXXX XXXX. I asked why that would create a $ XXXX increase to my mortgage payments and she replied Because you dont understand escrow and your previous loan servicer was not paying your homeowners insurance to XXXX XXXX. Not true. The call then abruptly disconnected. I can assure you I did not disconnect the call. Since then I have seen numerous similar complaints on the XXXX  website about escrow and unethical behaviors by Gregory Funding. 
When you call this company there is an extensive wait time, and when you are finally able to speak to someone, they can not provide legitimate answers. I am very concerned about how this company operates. They never sent us anything in writing detailing the substantial increase to our monthly payment. 
We worked out new terms with our previous mortgage company XXXX XXXX and have been told that if the loan is sold they can not just alter the terms at will. 
We have been dragged through the mud by predatory mortgage companies in the past which is why we are in the situation we are in now. XXXX  years in our home and a mortgage XXXX times what we borrowed originally. Have never borrowed equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I noticed incorrect information showing up on my report when I reached out I was told by customer service that a creditor was reporting wrong information my name is incorrect my address is incorrect I have been reaching several weeks now no help I have been blocked from viewing my own report no one cares to fix the issue but still reporting incorrect information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX there are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Equifax. By law Equifax is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights to not have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted in XXXX days by law.
Product: Student loan

I am filing this complaint due to concerns about the unauthorized access and handling of my personal student loan information by the XXXX XXXX XXXX XXXX XXXX XXXX  ). I learned through recent news reports that XXXX has been given access to sensitive student loan data managed by the Department of Education and its loan servicers. This raises serious privacy concerns, as I have not authorized the sharing of my personal loan information with this department. 

On XX/XX/year>, I contacted my loan servicer, Aidvantage, via email to inquire whether my data had been shared with XXXX under what authority, and what specific information may have been accessed. I also stated that if my information had been shared without proper authorization, I would like to know the process for filing a formal complaint. 

Since I have just sent this request, I am awaiting a response from Aidvantage. However, given the sensitive nature of this issue, I am seeking federal oversight to ensure my data privacy is being protected. I also plan to send a certified letter to Aidvantage to formally document my request. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that my personal student loan information is not being accessed or misused without my explicit consent.
Product: Credit card

After disputing these fraudulent accounts with Capital One, Capital One Financing Corp has Account numbers XXXX | XXXX that is reporting to my account " XXXX XXXX XXXX ''. After contacting the Capital One Fraud Department, I was informed that this " company " refused '' to remove the " fraudulent account '' associated with my account. Based on the correspondence from Capital One fraud department ( letters attached ), each fraud case was closed for " lack of information '' disregarding faxed FTC letters and FTC reports submitted. As I stated in my previous claims, Capital One Financing Corp and it's third-party debt collecting affiliates are in violation of : 15 USC 6802 : Companies, corporations, CRA 's , etc need written instruction to make a consumer report by the consumer. Without written instruction this " company '' has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law, Capital One Financing Corp has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed must be DELETED.
Product: Checking or savings account

I have a business account that was closed due to a charge from Well Fargo Collection for a transaction that never happened. My merchant account with Wells Fargo was closed and the transaction was reversed. Then a month after I received the letter that the merchant account was closed and the transaction was reversed they then sent the same account to collection. I have spoken with merchant services, the collection department and made multiple calls to the securities department without a return call. As of today, I have an  account in collections that shouldn't be there and no one wants or seems able to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX  account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX transunion and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions account.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely ans effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX XXXX Opened : XX/XX/XXXX EXPERIAN you are furnishing inaccurate and incorrect information to my consumer report. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 


The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 




By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says you EXPERIAN company is a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX 
The above paragraph is taken directly from the IRS XXXX publication. 
SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. 
My Address is listed below! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX XXXX XXXX Code XXXX ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX 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