23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I submitted a complaint to CFPB regarding the way AidVantage, my student loan servicer, was managing my loans. In short, although loans were in forbearance due to the XXXX XXXX, I was trying to aggressively pay down my loans and AidVantage was not allowing me to do so because they continued to auto-allocate payments, something that they did not need to be doing due to the forbearance and which was causing me to be unable to make the payments I wanted to make. The CFPB complaint number was XXXX and the complaint was ultimately resolved in my favor. 

I am now having that exact same problem - my loans were forced into forbearance due to issues in the federal court system pertaining to SAVE repayment plans, which is what I have. I am trying to again aggressively pay down my loans but AidVantage will not allow me to do so because they keep auto-allocating payment amounts even though they shouldn't be doing this since loans are in forbearance and therefore no payments are technically due. 

I have attempted to resolve this issue with AidVantage and even spent an hour on the phone with them recently to try to get clarity regarding this issue and resolve it but the information they provided has been confusing. The account summary for my loans on the AidVantage website shows I have a payment due on XXXX XXXX. An email I received from them on XXXX XXXX, however, says my next payment is due next year in XXXX and that my payment at that time will increase to over {$3000.00} a month. My conversations with AidVantage customer service about this have been confusing and the information they provided to me over the phone did not match either my account summary or the email I had received from them. 

I am alarmed by the situation with AidVantage and by the fact that there is so much confusion on their end regarding my loan, especially given the large amount of money they are ostensibly managing. Their practices feel fraudulent at this point, given that these issues actively prevent me from paying down the loan, which I know means they will make less money off of me in the end. I even filed a complaint against them with XXXX a few months ago and asked to change loan servicers but it is impossible to get a coherent response from XXXX. 

I really need help dealing with this situation. I owe a lot of money in student loans and have been consistently on time with loan payments. I have also made significant over-payments to pay down my loan. In the end, however, whatever is going on internally at AidVantage presents a significant barrier to making progress which seems unjust. Any help you could provide would be very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called each bureau about fraudulent inquiries on my report XXXX removed some XXXX said they would be removed after 24hrs but they still remain on my report. TransUnion was not helpful or cooperative with me about removing the fraudulent inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX 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 had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXXXXXX XXXX who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( TransUnion, XXXX, and XXXX ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and XXXX.
Product: Credit reporting 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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX XXXX XXXX state of XXXX XXXX  XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX XXXX  code, you will need to look this up and state XXXX  and XXXX XXXX, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within XXXX days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX and FCRA. 
In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and XXXX Article XXXX remedies. 

Sincerely, XXXX XXXX
Product: Student loan

First, they put me in forbearance when i could have been paying some money. I took this loan out XX/XX/XXXX start paying it back XX/XX/XXXX and am currently up to date on payments. They should have offered me to pay at least XXXX dollars a month but instead they pushed forbearance. And secondly, when I missed XXXX payment they harassed my co signer- my uncle, with multiple phone calls every day and threatening his credit - over one missed payment. it was very emotionally stressful and my family constantly fights over it and I am the XXXX in the family now because I had to drop out of college my third year due to helping my grandparents and so my loan had issues. I would XXXX every time the phone rang and still to this day tense up every time i hear the phone ring, they just kept calling and calling and calling ( back when I first dropped out I did n't know what to do with my loans I had no income ). I 'm sorry I 'm not great at describing my issue but all I can say is that they do not inform kids of how important and scary these loans are. Had I know the family XXXX I would go through, I would have NEVER went to college. Worst part about all this, the school told me because I do n't have parents they said oh yea you 'll get all your tuition covered you have no parents, so they said take out this loan now and when they cover your tuition ( fasfa ) they can just pay it back. I never thought I 'd end up with this loan. I was misled by the school. it does n't matter how poor you are, if you have parents DONT BE FOOLED! your tuition will not be covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX. XXXX/XXXX, XXXX XXXX , XXXX, 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 and myself has part ways since XXXX this information is still listed on my credit report. this account has been closed for several years, Ive ask for it to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Relations Representative, and Legal Counsel Re : Account No. XXXX Notice : Proof of Claim Requested with Visual Inspection of Original Contract XXXX XXXX received a letter from you exactly three weeks ago with printouts which do not contain his signature. On top of that, you keep posting derogatory items on his credit. This is the final step we are taking before escalating. We need to see prints that bear his signature because with today technology anybody can create paperwork.
Product: Credit card

Account # XXXX I'm unaware of this debt & did not have the opportunity to dispute this account if you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXXXXXX XXXX  off my credit report or I will take legal actions..
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al.    XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX   XXXX  : Payments mis-applied to the Principal of my alleged loan number  XXXX  with them.     Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section  6 o f RESPA (  12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number :  XXXX , in reply to their   recent letters.     They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number :  XXXX  with  XXXX   XXXX  since  XXXX , when the original balance was {$310000.00} on  XX/XX/XXXX      They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification.     Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court,  Bankruptcy Number :  XXXX , filed in the Central District of California over 1 year ago now, on   XXXX   XXXX   XXXX   They have also breached the BK by filing a notice of trustee sale on the title of my property on   XXXX   XXXX   XXXX   and are presently in contempt of Court.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Product: Credit reporting or other personal consumer reports

A debt collections company named Credence Resource Management has reported some information on both my transunion and XXXX credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notice from Portfolio Recovery Services advising that they were requesting the credit bureau delete the tradeline for the original creditor XXXX XXXX XXXX  ( USA ). However, as of today XX/XX/year> the account is still listed and reporting adversely on my XXXX credit report.
Product: Debt collection

Someone called me from XXXX XXXX, saying that he was calling about a lawsuit from Money Key and that I was going to be served for the debt owed. He said that I refused to pay the money owed to Money Key, roughly {$800.00}. He asked, is that correct? I said absolutely not. I told him that I've been working very diligently to repay my debts over the last several years. 

I was recently diagnosed with XXXX and XXXX, after diagnosed with XXXX  in XXXX. I had gotten into so many payday loans when I had XXXX XXXX XXXX. However, I had worked on settling this debt. I had thought I'd settled this debt previously. 

He asked if I could resolve the debt in 2 payments in 30 days. I told him no, I still owed on my rent. He said he could get it taken care of for me as a financial hardship arrangement on four payments every two weeks at {$180.00} each payment, with a {$5.00} processing fee per transaction. We set up the payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

He insisted I use a XXXX or XXXX number, not ACH. I was unaware at the time that this was a huge red flag. I gave them my debit card number, but did not sign any paperwork. Later, I found out my SSN was compromised back in XXXX of this year. I contacted CFPB who suggested I request my credit reports, review to see if the debt exists, if not, contact my bank to stop payment with them, then place security freezes on my credit reports. 

I also tried to search the company, and could not find any information on XXXX XXXX. When I called to get the amount of the transaction, I called XXXX and left a voicemail. No one ever returned my phone call. I called again on XX/XX/XXXX and spoke with XXXX XXXX. 

He called me on XX/XX/XXXX from phone number XXXX, when the transaction did not go through. I asked for a validation of debt. He said I received the XXXX on XX/XX/XXXX. I looked through my emails to the address he said and could not find anything. He said he would resend. 

He actually sent the information to a totally different email address that he did not confirm with me. He called me again and I requested a validation of debt. He said they are not a debt collector. I told him if Money Key would like to send me a validation of debt, I'll be glad to resolve.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2021 coinbase has blocked my account with the ammount of XXXX in it under the excuse that they were " reviewing my account ''. 
I sent all the doccuments required and nowadays my account is still unavailable I've sent many complains asking about this issue and the ansered apologizin for taking long indicating that they have a big ammount of work to do. 
Finally they sent a message telling that the revew was " done ''! And my account continued blocked for trade or withdraws. 
After some complains their final answer is repeated : the case is closed. 
I still can not withdrow my found or operate with it. I dont know what to do! 
My account is still blocked and i can not contact to anyone!
Product: Credit reporting or other personal consumer reports

Within the same day, Ive been willfully denied the request of the information that I am seeking in my CFPB complaint thats marked as a duplicate. XXXX XXXX XXXX XXXX is operating with disregard to fair credit reporting. I simply requested for them to provide merchant transactions of all purchases that they alleged to have occurred on the account in which theyve deemed delinquent and accumulated outrageous late fees. 

Every attempt I made theyve willfully avoided providing that specific information. The only response Ive received is general statements and post closure account details. 
Continuing to not comply, and allowing them to report negligence without evidences puts the credit bureaus just as much in the wrong as them. 


The attached documents clearly displays that none of my request has been voluntarily adhere to. They address every aspect of the account other than the specifics of proof of account expense, leaving a balance. No merchant details no locations no purchase price of any sort just allegations.
Product: Credit reporting

On numerous occasions I have disputed this account XXXX Now # XXXX with Experian. Upon receipt of my investigation results this account is reporting inaccurately. To date this account has not been corrected. Experian is violating my rights under the FCRA.
Product: Debt collection

Received a letter From XXXX collecting debt from a credit card company that an account was opened using my identity. I requested documentation XXXX XXXX  did not provide. XXXX XXXX 's letter states I will experience tax consequences which that language is unacceptable.
Product: Credit reporting or other personal consumer reports

I've sent proper documentation to Money Lion to delete this account from my credit and they still have failed to do so
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following..

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have been paying on this loan which seems like forever for instants last month after paying XXXX and some dollars the balance was XXXX and within no time its back up to XXXX and saying I owe XXXX and some dollars when the loan is only a month behind so it should only be {$200.00} the current month due in the one behind Also when Ive tried to pay it off over a year ago, it will only allow you to pay {$200.00} at a time when you try to speak to the people in the office all they do is scream at you and tell you theyre going to repossess your car. I thought car title loans were illegal in North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There are inquired Older than 2 yrs. The website admits to keeping old accounts pass the legal deadline of 2yrs by stating the accounts are schedule to be removed in a time frame which equals to 2 years and 1 month 2. Charged Off accounts that were charged off in XXXX  are still being reporting negatively each month, and the credit bureaus are posting without regard to the rights detailed in the FDCPA and FCRA. 

XXXX. Credit Bureaus are posting private transactional data by way of credit card balance. These balances are updated several times a month, which also shows spending habits. Late payments for credit cards are considered financial transactions, and financial transactions can not post to credit reports lawfully. It violates the rights my rights under 15 US Code 1681a ( 2 ) ( A ) ( i ) specifically. I am seeking damages for violations listed above. Please show validation for each account and inquiry on my credit report, if you can not, please remove those accounts completely within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got 5 hard inquiries I dont recognize, from XXXX XXXX XXXX on XX/XX/XXXX, 3 from BK of Amer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXX XXXX on XX/XX/XXXXXXXX XXXX