23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my XXXX ( XXXX ) annual income recertification before the deadline through studentaid.gov and received no correspondence from MOHELA re : repayment plan being approved. I then submitted a copy of my application through the MOHELA website with a wet signature to see if this would trigger reprocessing of my application. A week or so later they replied that my plan had been approved, however, the payment calculation is not correct. I was paying {$260.00} and they calculated the payment up to {$1300.00} which is not correct and not what studentaid.gov 's repayment calculator gave me ( {$380.00} ). According to moehla 's " repayment schedule '' letter, I have one more {$260.00} payment before my payments go up to {$1300.00} for the next XXXX months. The {$1300.00} estimate is usually what happens when you DO NOT rectify your income, which I did, well before the deadline. I can not reasonably afford this payment, nor do I owe it due to MOHELA 's incompetence and giving me an incorrect monthly payment amount and schedule. It is impossible to reach MOHELA over the phone, I have tried multiple times and waited hours only to not reach a representative.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXXXXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete these 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX and XXXX XXXX Account # 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.
Product: Checking or savings account

As of today XX/XX/year> at XXXX Wells Fargo overdraft my checking and savings account as well as XXXX checking account of my son that is with mine. The saving they overdrafted it by {$430.00} and my checking by {$200.00} and my son {$100.00}. After I spoke with the customer service they stated that there were items not pay for. And told them all the charges on my account were paid for because my account does not accept overdraft charges. And they said they couldnt do anything. So I need to complain or sue this bank for trying to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a couch through XXXX XXXX on XX/XX/2022. I applied for a credit card to purchase the couch. The credit card company is called Comenity. We were approved for {$1000.00} which covered the entire cost of the couch. Since XX/XX/XXXX, we have made ALL payments on time however, nothing has been reported to the credit bureau. When I look up my credit report, it shows that the line of credit is still being used at 100 %. That is not true because we have made payments on time every month. We called the company and the representative stated that As you know, the system had been down for 3 months. And that It is not their fault, its the credit bureaus fault. We paid another payment and nothing still has not been reported to the credit bureau, which is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom  It May  Concern   XXXX    XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) lis ted below are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I req uest that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I  request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in q uestion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required b y 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the  above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX
Product: Debt collection

I was notified in writing that the company XXXX sold my information to another company known as Velocity Investments LLC. Apparently this took place XX/XX/2021 without my written consent. This company claims I now owe them XXXX. I have never gone into written agreement with them, nor was I privvy on how they acquired my PERSONAL INFORMATION. I want them to cease and desist all debt collection actions against me and withdraw the transaction information from all my consumer reports. Furthermore, I would like original documentation from Velocity Investments LLC and XXXX  with proof of them getting permission from me to exchange my information for this alleged debt. This has caused great financial harm to me and my family. This is in direct violation of the rights afforded to me by the Gramm-Leach-Bliley Act 15 USC 6821 ( a ) 1,2, & 3.
Product: Checking or savings account

I have $ XXXX in cash that has been frozen by Affirm in my Affirm Money Account. The funds have been locked since XX/XX/year> and Affirm is giving my the run around regarding accessing these funds. I am unable to get a consistent answer from Affirm concerning the actual hold time. 

I was told by Affirm that the freeze would drop off automatically n 3 to 5 business days ; however, this has not happened. These funds were XXXX disaster home loan funds and ths delay in the funds is causing immediate harm to me and my loved ones.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX Re : Validation of Debt for Account No. [ XXXX ] To Whom It May Concern : I am writing to request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. Proof that you have the legal right to collect this debt, including a copy of the agreement with the original creditor.

2. Documentation of the full accounting, including the original amount, any interest, and fees applied.

3. Proof of ownership of the alleged debt and how the amount was calculated.

4. Copies of any documents or contracts that show I agreed to pay the debt. 

I also request that you cease all communication with me, except for providing the requested information. Furthermore, I dispute the validity of the debt until adequate proof is provided. 

Please respond within 30 days, as required by law. If you fail to validate this debt, I request that you remove it from your records and cease all collection activities. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.
Product: Debt collection

Paypal has been constantly calling me about an amount I owe them. They call 7 days a week multiple times per day and no one is ever on the line, the moment I answer and try to speak to someone they hang-up or the call fails. They call while I am asleep, driving, and working. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to get a collection removed And transunion has done this before. 

And they removed the collection but then put it back on later on and I have to keep sending letters. 

So this time around they took it off and my credit score has not gone up as a result of it. 
I had 1 derogatory mark. Now I have 0 and my credit score did not go up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that has been fraudulently opened in my name. I recently discovered that an account with your company has been created under my personal information without my authorization. 

Details of the fraudulent account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Account balance : {$23000.00} I did not authorize or open this account, and I believe it was set up without my consent, possibly as a result of identity theft. I have taken immediate steps to report this issue to the relevant authorities and to protect my identity. 

To resolve this matter, I kindly request that you : Investigate the fraudulent account and close it immediately. 
Remove any charges, fees, or outstanding balances related to this account from my credit record. 
Provide me with written confirmation that the account has been closed and marked as fraudulent in your records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX Charter Communications on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Unaffiliated third party is in possession of personal information obtained without the authorization of I, with the intent to receive benefits or money. I have no contract with said party, nor was given an reasonable opportunity to opt out pursuant to 15 USC 6802 and Florida State Law, 501.705. Any further communication will result in further legal action taken pursuant to Florida 's Deceptive and Unfair Trade Practices Act, Fraudulent Practices of Florida Law Chapter 817 and the FTC act.

Debt Collector is also misrepresenting that it is affiliated of a US governmental agency of Dept. Of Treasury US Fiscal Bureau in violation of the FDCPA.
Product: Debt collection

CFS placed the same account on my XXXX  bureau twice in the amount of {$1300.00}. XX/XX/XXXX they say it is a account from XXXX. I've never lived or sought medical treatment in XXXX, KY. Also I have 3 accounts for medical bills all from XXXX , KY the 3 accounts total {$500.00}. I've reached out to them with No help. I also have a account with XXXX  XXXX XXXX that does belong to me from XXXX XXXX XXXX XXXX that was paid by my insurance, but creditor refuses to send me copy of the bill. There is one more account for {$220.00}, but it's also a medical bill. None of these medical collections belong to me I've never lived in XXXX, but my ex Wife has since XXXX. These are all fraudulent accounts, not belonging to myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX SSN I've reached out and filed disputes on all of these accounts over the past year and have NEVER received a letter, phone call or email from anyone whom represents XXXX.
Product: Credit card

During the year XXXX ( I think this is how this all started ) I called XXXX XXXX XXXX to book a room in XXXX and was quoted approximately {$85.00} for one night. 
XX/XX/XXXX, I was charged XXXX I disputed the charge ( I will need to track down the date ) XX/XX/XXXX was credited XXXX XX/XX/XXXX I was charged back XXXX On XX/XX/XXXX, I stayed at the hotel and have a receipt for payment of XXXX This was my XXXX time in XXXX, and I did not know the city. I would never have chosen it as it was the sketchiest hotel of all time. If I had not been so tired and known my way around I would have left. My point is that my issues began with this initial dispute, and I think the hotel should be investigated. 

During the year XXXX : My Business credit card has been compromised 6 times. 
XXXX usage dates for cards ending in the following # XXXX. 
# XXXX XXXX to XX/XX/XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX # XXXX XXXX to XX/XX/XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX ( here is where the big issues begin, not that the above was not a hassle ) # XXXX XXXX to XX/XX/XXXX That is XXXX cards in XXXX year! 

Here are the details for the big issue XXXX XXXX charged XXXX items to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Total XXXX Card XXXX credited XXXX items for XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Total XXXX Card XXXX was charged back XXXX items for XXXX XXXX XX/XX/XXXX Total XXXX By my accounting, they still owe me XXXX My bank XXXX and I have spent countless hours trying to rectify the horrible mess with Master Card. My bank XXXX said she regularly has clients with similar messes that are next to impossible to rectify. 

In the past, my bank XXXX and I were told by XXXX that we could not close the accounts because I would not be able to receive the credits. XXXX repeatedly then reissues new cards, and the cycle continues. ( sometimes the card is compromised before I even receive it in the mail, or sometimes they never arrive and are compromised ) Today, while trying to resolve false charges on my personal card ( yep, it has been compromised XXXX XXXX in the past 2 months ), I was told today that I could close the account and they would mail me a cashier 's check for my dispute. 

XXXX 's XXXX XXXX is a joke. Case numbers can change for the same dispute. The case never states the card number for the dispute and when you have had XXXX cards in XXXX year it is impossible to rectify. 

Because the XXXX XXXX is a joke, the credits I have received for the disputed items the finance charges can not be lined up. I suspect there is some fudge on their end with the chargebacks and re-disputing of the same site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, reacged over to customer service by email, phone, and letter, account reported late payments, payments were made on time for month of XXXX, account still showing balance of {$300.00}, account paid in full. Nothing has not been resolved. Unable to get to a live person.
Product: Student loan

I paid my student loan through AidVantage on time on XX/XX/XXXX  and it reported a late payment on XX/XX/XXXX  affecting my credit score. It's extremely difficult getting ahold of them.
Product: Checking or savings account

Navy Federal Credit Union, is partial towards members, or ex members. whom has filed Bankruptcy. If a member has financial hardship. He or she should not be rewarded, with the discontinuation of their membership. I know its a HORRIBLE ACT, to afflict on a Veteran and his or her family members.
Product: Debt collection

At XXXX, I was contacted by KLS Financial Services at XXXX ( XXXX ) XXXX from XXXX XXXX NC about my debt for backrent with XXXX XXXX. I was at work and ran outside to try and speak with them. I explained to the lady on the phone, an agreement I made with Landlords that we would settle upon them withdrawing my eviction case and we would come to an agreement to repay back rent. We came to a stipulated agreement that I would not be evicted but would leave by a specific date, and they would in turn withdraw the case and I would come to an agreement outside of debt collection with them to payback rent. 

They never withdrew and I was contacted by this debt collector. The collector said I had to make an agreement with them, for $ XXXX for 12 months. I am still in a bind living back home paying rent, a car rental, etc, and I asked for time to figure this out as I am at work- they said they need to set something up now and that i can ask a family member to help to put it on a credit card? I asked for them to email me this information several times so I can have it on file/my records as I figured out a plan. She was adamant about not emailing me anything because there was no point, and that I must create a payment plan with them today else they will have to report it, severely damaging my credit. I wasnt told about means of mitigating this situation nor why it went to this point. I am at work and they have given me basically an ultimatum that is more stressful than they realize. 

I want the information of debt, and an itemized list of the debt and breakdown. I would like them to provide this information to me without the need of a sudden fear tactic. They said they would not email me, Despite asking multiple times and instead would opt me into texting to receive a text message of the amount owed and a means to pay. I need this all confirmed first before figuring it out.