23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was on the SAVE repayment plan with MOHELA to pay off my XXXX XXXX XXXX student loans. I have been working in XXXX XXXX XXXX XXXX ( XXXX ) to qualify for PSLF. I was put on forbearance/deferment by MOHELA due to the lawsuit going on with SAVE. I have repeatedly tried to change my payment plan to a different IDR plan and get off of forbearance so that I can resume payments and have my current work count for PSLF. They have not been able to process my change request. I have written in, called and submitted formal applications numerous times since XXXX  XXXX when it first occurred. I have not been able to be given a timeline for when this change will happen or any information on if these months of work will be back-credited. This is costing me extended time paying these loans back and getting qualified for loan forgiveness when I am ready, able and willing to do so now. The lack of transparency is extremely frustrating. They just tell me it is in processing for an indeterminate amount of time. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged medical debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Additionally, as this concerns a medical debt, I expect your strict compliance with all applicable federal and state laws, including but not limited to the No Surprises Act and recent Consumer Financial Protection Bureau ( CFPB ) guidance on medical debt reporting.

Please be advised that I do not acknowledge or admit responsibility for this alleged debt. I am exercising my rights under the FDCPA and request that you provide the following documentation to validate the debt : Proof of the original medical service agreement : A copy of the signed agreement or authorization for treatment that demonstrates I am obligated to pay this debt. 
Itemized billing statement : A detailed breakdown of the medical debt, including the charges for each service, adjustments, payments made, and any outstanding balance. 
Proof of assignment or ownership : Documentation showing that XXXX has the legal right to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Proof that this debt complies with state and federal statutes, including those related to billing practices for XXXX XXXX. 
Until the requested information is provided, I request that you immediately cease all collection activities related to this account, including communication with me, and stop reporting this alleged debt to any credit reporting agencies. 

You have 30 days from the date of receipt of this letter to respond with the requested documentation. If you can not validate this debt, you must cease all collection efforts and remove any negative information related to this account from my consumer reports. 

This letter is not an admission of liability for this debt and does not authorize any further collection activity. All correspondence regarding this matter must be in writing and sent to the address listed above or via email at XXXX. 

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

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with TRANSUNION, XXXX, AND XXXX. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been private loan paying for 13 years but the balance is still more than $ XXXX. I am getting sick of this debt and want to escape from this nightmare. Would please help me??
Product: Credit card

My wife open an account with Alphaeon credit card, i use this card twice with no problems, i signed for paperless so I ignore everything, because i didnt see no problems i never checked anything more the payment, thatll, but today they helped me to download the statement and last month my balance was XXXX, i usully pay more that the minimum payment, but today XXXX XXXX XXXX i tried to make my normal payment i found my balance was different i thought something happened or someone else was using my card, i call and they said the promotional of 24 months was end last XX/XX/XXXX, and they increased my debt to XXXX i was devastated when i found out, i tell them i can pay the last promotional money or pay full my balance of XXXX if they take the interest rate down but they refuse to help me, ill pay every month, never late, always on time, i try to be a good customer but no, they refuse to give me the opportunity to just pay my original debt, sorry if my writing is bad Im not a speaking XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report.

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX  XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off.

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!
Product: Checking or savings account

They closed my account after I transferred XXXX  to my account. No way to contact cash app by customer service and had to wait a week for a response.
Product: Debt collection

I received communication from XXXX XXXX associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Product: Debt collection

The credit card was never mine and I never had a XXXX credit card. I contacted them years ago and thought it was cleared up now LVNV FUNDING LLC has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Information on XXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( TransUnion, XXXX ) ; {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( TransUnion ) ; Not Verified ( XXXX, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX, XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion, XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : TransUnion XXXX Late 30 Days XXXX : Late 30 Days XXXX : Current Creditor Remarks : TransUnion XXXX Canceled by credit grantor XXXX : Account closed due to inactivity XXXX XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment Amount : {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : TransUnion & XXXX : Reports a XXXX late payment. 
XXXX : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate.

TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness.

Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion, I see it states to not list anything specific on here so I will just make a brief statement. The following accounts that is showing on my credit report doesn't belong to me, I never gave permission to open such accounts in my name. I would like for these items to be erase from my report because it doesn't belong to me. These items belongs to someone else.
Product: Mortgage

Recieved letter from BSI Financial dated XX/XX/XXXX stating my flood insurance amount {$100000.00} does not meet the requirements of the company. they acquired the loan on XX/XX/XXXX from XXXX XXXX.. the mortgage amount is approx {$96000.00}. I called FEMA they give me the regulation that the minimum amount of flood insurance is the lesser of the value of the house or the mortgage or the value of the property. clearly would be the {$100000.00}. BSI told me they could care less about the minimum, they require the maximum {$250000.00}. To me this is clearly an overreach by BSI Financial and not good business practice.and will cost me a lot of extra money each and every year. We have lived in this house 27 years and have never had any flood problems.Was placed in the flood plan in XXXX when FEMA needed a lot more property to pay for national coverage I have talked to BSI 3 times and have got the same response and attitude each time.BSI Financial stated that if I didn't get additional coverage within 45 days they have a plan in place to charge me {$750.00} per year for the additional coverage. Please look at this business practice of over requirement on flood insurance. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/202XXXX XXXX  XXXX name this account was opened fraudulently this not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Equifax issued a copy of my " credit file '' and it showed MANY inaccuracies and they are claiming them to be " accurate which are displayed in my attached exhibits. In response to my previous complaint ( XXXX ), Equifax deleted the personal information that I have tried to get removed since I first noticed that it was not correct on XXXX They refused to fix my DOB and are asking for my SSN card, driver 's license, and/or birth certificate even though I have ALREADY provided them with this information when I originally began disputing the validity of my report/file. Equifax is using this as a stall tactic. They are in violation of 15 USC 1681e ( b ). Equifax is now considered to be willfully noncompliant in pursuance to 15 USC 1681n. They are continuing to furnish inaccurate information and they are claiming to have verified this information as accurate but are unable to provide me with the process they took to ensure the information is accurate. The consumer report displayed by Equifax is completely fraudulent and their repeated failure to follow the FCRA demonstrates their incompetency. You can not claim to verify accurate information on a consumer when you are advertising the incorrect accounts, unauthorized inquiries, and wrong date of birth. There is no apparent evidence that this consumer report is truly mine based on the fact that Equifax has repeatedly ignored their responsibilities as provided by the FCRA.
Product: Credit card

Had payment setup to be paid in advance but payment was not processed and it will not generate payment until 2 days after my bill Is due therefore generating a late fee! This is a bad practice that continues to happen and it needs to stop! Late fees need to be removed off of my account! Capital One locks customers accounts after XXXX XXXX  everyday and keeps customers from paying their bills on time. Also they hold payments and doesnt allow payments to be processed when customers submit them. Please beware of this practice.
Product: Checking or savings account

Bank of America shows a newly opened checking account, which I did not open and want closed. 

I called the correct number and spent 15 minutes with a bank rep in almost total silence while she claimed to be documenting that I did not open the account. I asked for a confirmation number for the call and was only provided a call back number in the event I was disconnected. After providing the call back number she said she was then transferring me to the fraud department even though I already went through everything with her. 

As soon as she attempted to transfer me the call was disconnected. Rather than call back and be put in a long waiting que again, I waited a few weeks to see if the account would be closed based on my phone call. When it was not, I opted to write a letter ( 2+ weeks ago ) which is the only other method they provide for handling this matter. 

The account is still active and they are now billing me $ XXXX for not funding the account that I never opened and requested twice to be closed over the last month+. 

I don't feel they are making any effort to close this account. I also feel they make it as difficult as possible on purpose so you can't actually close the account. 

I did not open this account and request it to be closed ASAP and have any fees removed.
Product: Student loan

Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

Remex INC seems to be a debt collection agency, for a debt i have no knowledge of and furthermore i have not received one single communication from the debt collection agency as to what the debt is for. This agency has illegally reported this debt on all 3 of my credit reporting bureaus in XXXX of XXXX. 
I am requesting the following : I request that REMEX INC agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to REMEX INC , that grants REMEX INC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party. 6 ) a valid REMEX INC collector 's license for the state of new jersey I COME TO FIND THEY HAVE ILLEGALLY REPORTED THIS DEBT TO MY XXXX, XXXX AND XXXX CREDIT REPORTS AND I AM DEMANDING THEY REMOVE IT EXPEDITIOUSLY. 
I would like a full investigation as to these practices as they have broken rules of the FDCPA. I am aware of my rights when it comes to these unjust practices I have the right to file suit for XXXX per bureau and XXXX per month that this illegal reporting remains on my report. but I will try this medium first to try and resolve this issue.
Product: Debt collection

I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.
Product: Credit reporting or other personal consumer reports

These XXXX accounts and XXXX inquiries that are reporting negatively on my EXPERIAN credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )