23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed a Few inquiries on the report that was false I already claim an identity theft report also oattached of accounts that do I never applied for. I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. the false inquiries were XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter o Transunion to update my personal information such as my addresses on my credit report. They updated the addresses but changed my primary name to  XXXX  and I sent them a copy of my ID and utility bill. I called inform that, my name is incorrect on my credit report and I was told that I need to contact my creditors to tell them to report my name. My name that I use with all, my creditors is  XXXX , even my ID and utility bill that I sent shows that. I spoke with  XXXX   XXXX  at  XXXX  on  XXXX / XXXX /  XXXX   and he said they changed my name because one collection agency by the name of  XXXX  sent something with  XXXX  and that 's why they changed it. I asked him how can they change my name for one creditor when I sent in my Maryland  State Driver  's license and Utility bill. I called back at  XXXX  spoke with  XXXX  and he said that the same thing that my creditors had to report my name  XXXX   XXXX  when all my credit cards are reported with the last name  XXXX   XXXX  I called again at  XXXX  and spoke with  XXXX  and she states the same thing.
Product: Debt collection

So on XX/XX/year> I received a letter informing me of a bank garnishment from XXXX XXXX XXXX that levy and associates started against me well the problem is i wasn't aware of this debt. I sent them a letter to let them know I am disputing this debt as I didnt know anything about this and so forth. Well they say they received my debt dispute but have they sent me proof of debt no. I was aware of the debt no. All I have received from them is an identity theft avidated and that fine but how do I file anything when I dont know who would had done this. I have no clue nothing about this nor was notified until XX/XX/year> and all I am asking for is proof of debt which is what I believe is called a debt validation because see I know I did not create this debt yes I sent a debt dispute that because I didnt know nothing about this so once again can you please please get me debt validation and cease the bank garnishment until the investigation is done. Please I am asking to cease and stop bank garnishment until the debt validation and debt dispute is completed thank you.
Product: Student loan

XX/XX/XXXX put my account into forbearance. Was charged a {$100.00} fee. XX/XX/XXXX was told that I could not put my loans into deferment. Got a bill for over {$800.00}. Called to resolve the matter asking for a lower interest, and was outright denied. Was told that the interest only payment was over $ XXXX/month. Was asked to pay this amount and could n't because I was living on SSI with an income of {$730.00}. I can not make these payments and I still live on SSI. I have not made any attempts since XX/XX/XXXX to resolve the matter or make payments. The {$50000.00} loans now total over {$100000.00} and I am still getting calls from creditors to collect on this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No action was taken no proof of anything, no hard copies.
Product: Debt collection

I filed a complaint against these people in XXXX. Consumer Financial Protection Bureau closed the case. They are still calling from multiple numbers.
Product: Debt collection

I have written letters to National Credit Systems to have this debt validated and provide written documents with signatures regarding the issue. I have not received any correspondence regarding the matter the only thing I have received is an updated credit report that claims validation. I know that this is a violation of the FCRA. I'm asking this agency to intervene and remedy this situation immediately. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow ) check XXXX was applied, and why?
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is not mine. It is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to Midland and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX and XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Checking or savings account

We were charged fees because we did not have a minimum {$2500.00} checking balance. The fees wereexcessing and we eventually cancelled the account and went to a different bank.
Product: Credit card

Fifth Third Bank allowed charges of {$17.00} to go through on a card account, ending XXXX, which I had not call to authorize use on. On XX/XX/XXXX when I called they admitted their mistake ( telling me anything under {$50.00} would go through ) and reversed the late charge and the balance ( {$17.00} ) was paid, my credit report would not show a late. 
On XX/XX/XXXX my credit report was hit and dropped substantially. I immediately called and spoke to customer service who apologized, saying she would forward an email to have it corrected. 
On XX/XX/XXXX I received a letter from XXXX. VP of Fifth Third Bank stating they tried to investigate but need more info ... 
To date it has not been corrected
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR XXXX SENT TO XXXX XXXX Inquiries : ID FOR XXXX SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Product: Credit reporting or other personal consumer reports

The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.
Product: Debt collection

I lived in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX after just returning from XXXX . I am an XXXX XXXX XXXX in the United States XXXX. In XX/XX/XXXX I received new orders and began the move out process, I gave them a hard copy of my orders and had email traffic ( at the time ) with the manager at the time named XXXX. He examined my apartment and told me to have the carpets cleaned. He gave me the phone number for the company they use and I paid almost {$200.00} for the carpets to be cleaned. The day I moved out I was told to leave the keys on the counter and lock the door behind me. I emailed him and called him afterwards trying to figure out if all was good and if I owed anything more. He never got back with me, so I took that as an understanding that all was okay. In XX/XX/XXXX, I received an email from the current manager that replaced XXXX saying that I owed a debt, I informed her of the situation and she confirmed she saw the email traffic. I let her know that I would only speak to corporate and to refer me immediately. After unanswered calls and emails, I again thought all was taken care of and sorted out. I then just received a letter in the mail dated XX/XX/XXXX saying I owed even more. I am so confused, I called the collection agency and they threatened my credit, yelled out me, berated me, and told me that if I didnt pay today it would noted as a refusal and they would report me. They told me I could take a payment plan, but that the plan would only be available today. They then began to tell me they accept Visa and MasterCard. I have tried countless times to get in touch with the Apartment Complex, none of these charges are warranted. I have not lived in that apartment complex for almost a year and half. They have had my contact information this entire time. 
The Collection Agency is called ProCollect and I believe it to be a scam. I have undergone XXXX  XXXX just this year already and I was just able to go collect my mail after an emergency XXXX XXXX, they told me I have until XX/XX/XXXX and then they will destroy my credit.
Product: Payday loan, title loan, or personal loan

My bank is Old National Bank. XXXX XXXX app is not partnered with that bank and it 's causing some difficulties
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT for sometime now and have fraud accounts reporting. I have sent in ID THEFT AFFADVIT as well as FTC complaint. Experian is refusing to block and or remove the following accounts for some reason. 
XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX XXXX XX/XX/XXXX All supporting documents and proof these accounts are fraud have been sent and confirmed that they have been recived!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation from the credit companies for each account. ALL XXXX REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Product: Credit card or prepaid card

on XX/XX/19, i called Citibank about my credit card account. it was recently closed due to inactivity. I called to ask that my account be re-opened. I told them i understood why it was closed, and I kept the account open in case of emergencies. I would have used it if i had known that was a stipulation of it remaining open. They were nice about it, but asked me for my full social security number in order to re-open the account. I insisted that if they have my acct info, they should have that already. I was adamant that i did not want to apply for a new line of credit, and just to ask this one to be re-opened. I was promptly hung up on. I thought that was rude and tried the same number again. I reached a different customer service representative. That call was going better. I did not inform them of the previous call. We got to the same point in the conversation, when i insisted that we do not pull a credit report to re-activate my account. I was told they were not going to pull a credit report, but needed my info for verification. I asked again, for the recorded line, that the rep state we are not pulling a credit report, and was promptly hung up on again. I feel this company is not being honest with me or other customers about their practices. Seems like something XXXX XXXX would do.
Product: Money transfer, virtual currency, or money service

XXXX zelle payment sent to scammer XX/XX/XXXX - dispute reported to bank XX/XX/XXXX - bank denied dispute and stated no further action to be taken
Product: Credit reporting or other personal consumer reports

I have previously dispued multiple accounts multiple times with eqifax XXXX  and XXXX XXXX for inaccuracy and discrepancies that are negativly impacting my ability for credit. Non of the account have correct payments info balance or personal identification. I'm am reaching out the XXXX credit Bureaus failure to comply with The Fair Credit reported act and response to my recent disputes regarded in accuracies in my credit report I submitted a dispute over 35 days ago concerning several discrepancies on several accounts currently listing on my credit reports and XXXX XXXX and eqifax has not made any correction nor provided a satisfactory explanation for the I believe experience has violated multiple fcra Provisions including the duty to investigate correct inaccuracies and communicate the results of their investigation in a timely manner right accounts in question are violations of FCR 15 USC 1681 and cushman v transunion.
Product: Checking or savings account

I have been attempting to cancel this account since before XX/XX/year>. This company has ignored my emails and messages in their app to cancel this app. They have charged me over {$70.00} since I began canceling this app.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

I was working with a debt restructing company, starting in XX/XX/XXXX. My enroller in the program was XXXX XXXX XXXX from XXXX XXXX. I was told they would work with my creditors to negotiate pay offs and eliminate my debt in 48-54 monthes. I signed up for the program and found they used Global Holdings LLC for the money portion of the program and XXXX XXXX XXXX was the attorneys and negotiation company. I was told to not pay on the debts so that they could negotiate. I did not hear anything from the company and I called multiple times to find out what was happening with my accounts since I was starting to get collections notices and offers to settle my accounts. I spoke to the call center a few times between XXXX and XXXX and they informed me that they had no updates for me. I even text messaged the lawyer who had called me to help set his all up XXXX XXXX XXXX XXXX ) XXXX on XX/XX/XXXX. I was told to contact XXXX XXXX XXXX at ( XXXX ) XXXX, she informed me that I had only been in the program a few months and Client Support could help. On XX/XX/XXXX I called XXXX XXXX XXXX again to get an update and there was a strange message about no longer being able to represent. I called after work and spoke with a representative from XXXX XXXX. She informed me that they were no longer able to negotiate on my behalf because they were being sued. I could wait it out or cancel my account. I immediately started making calls to my creditors to tell them what had happened. XXXX informed me they had no records of my accounts being in negotiation and that my debt resolution company had never contacted them.. Since I admitted the truth to them, they could not discuss my account with me until I was no longer with that company. I contacted a lawyer to discuss bankruptcy or my options to recover from this. She recommended I did cancel with XXXX XXXX XXXX. I called XX/XX/XXXX and canceled my account. I received a check minus all the FEES these two companies charged me. In total I paid them {$7100.00} and only received a refund of {$5900.00} They have kept {$1100.00} in fees that in my opinion, they did nothing to earn such fees as my creditors were never contacted. I have attached a copy of the statement they sent me. As you can see they collected. 
Retainer fees of {$75.00} X XXXX = {$150.00} Admin fees {$4900.00} X XXXX {$99.00} Service fees {$410.00} X XXXX = {$820.00} and a Monthly Service Charge {$10.00} X XXXX = {$65.00} Upon canceling, I asked about the fees and the refund of them since there was no work done on my behalf. Global informed me to file a complaint with CFPB, so this is what I am doing. They have not worked with me the since the minute I signed the paperwork. As far as I am concerned this entire set up was a scam meant to pray upon people looking to resolve debt. I have been forced to file bankruptcy. I would appreciate any help you can offer in recovering the money they took from me.
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXX in XXXX with major in film and video production. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at XXXX  %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of XXXX  %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.