23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit XXXX is falsely reporting the above credit card, I have tried disputing it with XXXX however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting

I closed a XXXX account on XXXX 2015 and it is showing a late payment on XXXX 2015. I called XXXX and they said I did not have a late payment and XXXX did not report that I did have a late payment. But XXXX Exuafax and XXXX says I have a late payment on XXXX 2015. I want this cleared off my credit report. 
Thank youXXXX XXXX
Product: Student loan

I sent a letter to Aidvantage requesting verification that authorized them to collect any alleged debt that they assume that I, the consumer, owe. The company replied saying that my request was frivolous. I am aware that I have a right to request verification/validation from debt collectors who assume that I owe on an alleged debt. I have never entered into a contract of any sort with Aidvantage. This is considered unfair practices pursuant 15 USC 1692f ( 1 ). The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by this subchapter. The false representation of any services rendered or compensation which may be lawfully received by any debt collector for the collection of any debt is a violation of the FDCPA. These are laws under the Fair Debt Collection Practices Act that Aidvantage is violating. Pursuant to 15 usc 1692c ( c ), I demand Aidvantage to cease and desist all communication.
Product: Mortgage

We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...
Product: Payday loan, title loan, personal loan, or advance loan

I am not able to afford due to the interest rates. When I applied I was told as long as I pay on time I was good. All I pay is interest and what I pay extra goes towards the principal. I still owe so much and I cant afford it. I have called to set up arrangements with the company but they stated if I dont pay my car will be repossessed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report, and saw several items on there to be in accurate. Under 15 U.S code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681 I ( 5 ) treatment of inaccurate or verifiable information ( A ) in general, if after any investigation under paragraph ( I ) Of any information dispute by a consumer and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( I ) promptly delete the item of information from the file of the reinvestigation, and ( ii ) promptly, notify the furniture of the information that the information has been modified from the foul of the consumer. 
Please remove the following items from my Credit Report immediately. 

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX  Balance Owed XXXX {$96.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX  Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Platinum home lending in XX/XX/2020 to have my property appraised to have my mortgage insurance removed since I feel our home has 20 % or more equity. They denied my request twice claiming I did not qualify because of late payments. There was never any lates on my account due to us paying late. Lender has applied payments from someone elses account to ours and then reversed payments all without ever contacting us. When they reversed the payments it made the account show payments was late because they applied our payments as future payments but they did not revise our payments to complete the payments they reversed. After fighting with them it was moved to management ( XXXX XXXX ) which could see it was there fault. They finally approved my loan to have an appraisal done in XXXX. We promptly paid for the appraisal on XX/XX/XXXX. A week later we received a email requiring a list of improvements done to the house which we replied same day showing {$120000.00} in recent renovations to the home. We confirmed at the end of XXXX that they did receive the list of upgrades and that everything was in place. They claimed the appraisal company was just backed up but would be in contact soon. I spoke with XXXX mid XXXX since we received no contact. She checked and said they are still just backed up. I have left 3 messages with XXXX and have received no reply in the month of XXXX. Its been 2.5 months since we paid for an appraisal and we have not even been contacted. We have been paying over {$270.00} a month more in MI then we should need to for 5 months because of them delaying this. This is abusive behavior and causing financial harm to me because of the delays.
Product: Mortgage

I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.
Product: Debt collection

I have called XXXX XXXX to please take this paid in full account off my credit report.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Albert.com  Alber the app in the XXXX  store is a scam app. They take money claiming to help you save money for rainy day funds claiming to help you with financial support. I have tried to contact Albert there is no phone number only email. In XXXX Albert  was taking money from my account without my full knowledge in XXXX when I saw an email about my account I re-downloaded the app and tried to withdraw my money from my account in the app. I no longer have the same bank account but I updated all my details as well as bank information. I was unsuccessful in withdrawing my money. I contacted Albert support with over 50+ emails of me sending proof from the previous bank, my current bank, my ID, and a picture of me holding my ID I sent all of this with videos showing that I was unsuccessful with every way to withdraw funds. I was told to contact them back when I have proof from my bank that I was the owner of the account. I sent them that proof. I waited 10 business days for the letter to get to me. Only to be told that I'm supposed to send my current bank statement not my old one like they ask few emails ago. I have sent them proof of my identity 3 times. The latest hoop I had to jump through was them saying it was because of my name on the account. I am unable to update to government name as they asked. No matter what it's another hoop or waiting for customer service to come up with a way to stall in giving my money. If you check the app store the first XXXX review warns people about the apps as well as XXXX XXXX search Albert scam and I'm not the only one. They take a rainy day fund sometimes without your full knowledge and make it impossible for you to take back your own funds.
Product: Student loan

Around XX/XX/2020 I contacted my employer to see if the stoppage of my student loan wage garnishment would be reflected on my XX/XX/XXXX paycheck. Employer stated they had not received any notification from the loan holder that the wage garnishment was supposed to be stopped. My employer suggested I contact the loan servicer to see if I can get something emailed to me and if so to email it to the employer. I contacted Coast Professional Inc and asked about a letter that will stop the wage garnishment on my pay due to the CARES act signed on XX/XX/2020. My loan servicer stated that the US Department of Education is the one who is supposed to send out a letter to my employer. So far I have continued to receive these wage garnishments even after US Department of Education put a 60 day hold on the wage garnishments and 0 interest and after the CARES act went into affect. I have not been able to find out how to get a copy of this letter and expedite the process to my employer. I also want to know what the process is for receiving a refund of those wages that have now been unlawfully garnished.
Product: Debt collection

As of late XXXX, I was utilizing XXXX XXXX to fix my credit history. Upon this, I noticed a {$610.00} debt collection from LVNV funding which is based in XXXX, South Carolina. I tried disputing it online but failed. Therefore, I sent them a letter on XX/XX/XXXX, through the mail trying to find specifications on my debt because I had no memory of such a collection. On XX/XX/XXXX, Resurgent Capital Services got back to me on behalf of LVNV funding. They stated that the original creditor was XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The origination date for this was XX/XX/XXXX. Moreover, the account balance is being listed at {$250.00} whereas on XXXX XXXX it's {$610.00}. What's astounding is that in their response, Resurgent Capital Services claims that due to the age of this debt, they can not sue me nor report this to any credit reporting agency. But it's indeed on XXXX XXXX and it's an inflated amount for some reason. I already asked for information or evidence proving that I owe this debt however it seems that they didn't read my letter properly. They're asking me to write to them again otherwise they would assume the information is correct. I humbly ask for some assistance on this matter as I affirm my claim that I have no knowledge of this debt and I will need substantial evidence to find clarity on this matter. Considering, it's such an old matter I believe it shouldn't be on any credit reporting agency. Attached will be my letter that I sent labeled ( Debt Collection ), and the letters I received.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Innovis, XXXX  XXXX violated my privacy and shared my private information
Product: Checking or savings account

In the month of XX/XX/2023 we made an appointment to meet with a bank specialist to assist with the errors made on the accounts with the atm cards that were sent were to wrong card numbers and they did not coincide with the mobile app for US bank another attempt was also unsuccessful to correct these issues and it has been overlooked for too long.
Product: Credit reporting or other personal consumer reports

On XXXX at XXXX XXXX a TransUnion representative picked up a certified mail dispute at a postal facility in XXXXXXXX XXXX The dispute pertained to incorrect and out of date personal infomation. On XXXX TransUnion sent me a copy of my credit report with the incorrect information still listed on the report and did not explain what items were updated or removed, just that they received the dispute.TransUnion is obligated by law to report information accurately and they are not even under direct dispute with evidence provided.
Product: Credit reporting or other personal consumer reports

these companies ran my credit without my permission an put numerous hard inquires on my credit report, i would like them to be removed as soon as / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are the accounts an dates of the hard inquires that i would like to be removed, because the were not authorized. i didn't allow any of these compamies to run my credit
Product: Credit card or prepaid card

Approximately two years ago, I purchased the XXXX through XXXX. It has been determined that the product will never ship and was simply a fraudulent way for the XXXX  creator the obtain money from consumers as a scam. I have spoken with the credit card company and with XXXX and the vendor, and nobody seems to want to take responsibility for refunding the scammed money.
Product: Debt collection

Hello, I have never done business with credence Resource Mana. I have requested a signed contract to validate this debt and they have not responded. I'm in the process of buying a home for my family during a pandemic and this is not helping me. The amount is for {$2200.00}. It's saying the date that was reported is XX/XX/2020. Please help.
Product: Debt collection

Medical bill for our son from XXXX XXXX, 2023, {$500.00}. {$20.00} more added for XXXX XXXX, 2023. Have attempted to get provider to grant me access to my XXXX XXXX account so it could be paid several times with no action to provide access. The bill is in husband 's name due to insurance in his name and he does not have an electronic account set up. Have asked for multiple years to have our son added to my account ( like my other son is already ) and they won't do it. I can't pay when I have no access. Collections calls come to my number. Voicemails are left on my voicemail. Text messages are sent to my number. 

Harris & Harris now have account : Received letter. Started getting multiple calls and texts all from different numbers. XXXX ; XXXX ; XXXX XX/XX/XXXX, XXXX AM - incoming call, attempted to answer and their system hung up WEEKEND : XX/XX/XXXX, XXXX AM - missed call, believe had voicemail but deleted XX/XX/XXXX, XXXX PM - incoming call, attempted to answer and their system hung up XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - submitted {$20.00} payment online XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - payment cleared bank account Received letter WEEKEND : XX/XX/XXXX, XXXX AM - voicemail XX/XX/XXXX, XXXX PM - call, answered and they hung up after XXXX seconds XX/XX/XXXX, XXXX PM - returned the call but they are not open so says to call during business hours XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM- called and discussed harassment with the constant phone calls, text messages, letters, when I have started making payment and was told I wasn't on an official payment plan. Set up official payment plan and asked that they stop calling, texting, and sending letters. Documented in their system that payment will be made XX/XX/XXXX and they would not call again unless I defaulted on agreed payment XX/XX/XXXX. 
XX/XX/XXXX, XXXX PM - voicemail
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks