23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I pulled my credit report in XX/XX/XXXX, I was first made aware of this debt with Carter-Young Inc., mailing address XXXX XXXX XXXX, XXXX, GA XXXX. I was never contacted by XXXX XXXX XXXX stating that I owed any money. I lived at XXXX XXXX XXXX  until XX/XX/XXXX and completed a satisfactory walk-through move out inspection with a property leasing agent ( XXXX, I believe was her name ) on the last day of my leasing agreement. I made all of my rent payments on time each month which was only {$500.00} and stayed through the end of my lease. The amount that Carter-Young Inc. is demanding is {$850.00}. I disputed this information with both XXXX XXXX XXXX and Carter-Young Inc. in XX/XX/XXXX however I was never provided with a detailed explanation of the charges. My XXXX Credit Report still states " Account in dispute-reported by subscriber ''. I would like for this company to cease reporting this inaccurate information to XXXX  unless they can verify that I owe XXXX XXXX XXXX  a debt including a detailed break-down of how the amount was achieved, ie. dates of missed payments, lease agreement, eviction notice, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantage Credit Inc. 
hard inquiries on credit report on XX/XX/2020
Product: Checking or savings account

I opened a Chase checking account prior to a work placement within the XXXX XXXX to ensure I could wire funds to myself remotely. I was able to do this online prior to moving. I was able to use the account for a XXXX  before it was shut down for suspected fraud. As I am XXXX, I am not able to use my mobile number to verify myself when calling Chase and as such they have not been able to accept a complaint.

I was told that when the account was shut down for fraud, I would receive a check in the mail to the address linked to my government ID. The account was shut down on the XXXX XXXX XXXX and the check has yet to arrive at my address.
Product: Student loan

After XXXX school, I consolidated my loans with Fedloan Servicing and have been attempting to use an Income-Driven Repayment Plan, with a goal of working towards PSLF. I have encountered myriad issues from this loan servicer, and repeatedly received conflicting information from phone representatives and failed to reach any solution with them. 

Most recently, my monthly payment ( with no recent income change ) has fluctuated between {$460.00} and {$610.00} without any explanation, without any response to my letters, and without any resolution. Previously, more than {$4000.00} of interest was capitalized due to an error of paperwork processing. Before that, a payment of {$610.00} was made for a loan payment in the amount due for that month, which changed without any notification - to {$0.00} - between the time of my authorizing the payment and its processing. Fedloan refused to refund the payment, and instructed me to contact my bank ( who were incredulous ), and currently I have an open XXXX dispute to which Fedloan replies with meaningless, pre-formed responses and refuses to work towards any resolution. 

I feel that I was egregiously misled by this sham company, and have no doubt that many other students simply trying to do good work in service of the public are being raked across the coals by a self-serving scam organization. Any time I reach a phone representative, they immediately encourage me to enter deferment, knowing interest will still accumulate at a high rate during the deferment period, and they 'll ultimately receive greater payment. 

In sum, I 've encountered numerous issues of high significance, have been unable to work towards any resolution with Fedloan servicing, repeatedly receive conflicting information from phone representatives, and am paying money that is outside of the agreed repayment term and also losing months towards PSLF. CFPB is my last attempt to resolve these many issues before I hire a private attorney. I hope the focus of this issue might also help other students in similar situations, of whom there are no doubt very many.
Product: Student loan

I made a payment to two loans serviced by Mohela back in early XX/XX/XXXX. Only one of the payments was reflected in my account when I checked on XX/XX/XXXX, prompting me to call the company. The representative informed me that they were going to talk to their manager and proceeded to end the call without calling me back. I have a bank payment history of {$14000.00} for the two loans as well as a confirmation email sent by Mohela. 

On XX/XX/XXXX, I called Mohela again and was told that the payment went through and any accrued interest after the day of payment will be removed. However, I did not receive a timeline of when I would expect the payment to reflect on my account. 

On XX/XX/XXXX, after seeing that payment still did not reflect on my account, I called Mohela and was told that I should expect to see the payment reflected within 15-30 days. I was informed that there was an issue within their system and a request was sent. 

It is now XX/XX/XXXX, and I have yet to see any changes made regarding this case.
Product: Mortgage

Received XXXX  letter for sale of my home XXXX XXXX. Trustmark Bank received funds XXXX XXXX XXXX XXXX to reinstate my mortgage loan on my house XX/XX/XXXX. XXXX sent Trustmark saying I was approved for XXXX trial period plan XXXX XXXX. XXXX payment XX/XX/XXXX was told to by Trustmark customer service make XXXX trial payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX trial payment for XXXX XXXX, XXXX. Trustmark Bank XXXX did not accept my payment she said her computer showed payment to be {$1500.00} she was rude wanted to argue about payment amount. She told me the computer show mortgage payment was different amount. XXXX Trustmark Bank with Trustmark letter showing trial amount was {$1400.00} XX/XX/XXXX, made payment. Trustmark Bank was contacted to let them know the Trustmark teller would not accept payment. Trustmark changed the trial payment agreement. XXXX dated XXXX XXXX, XXXX, said XX/XX/XXXX, payment was received, and Trustmark was offering extension until XX/XX/XXXX for XXXX trial payment XXXX trial payment due XXXX XXXX, XXXX. Received Trustmark Letter date XXXX XXXX, XXXX saying Trustmark requested XXXX XXXX XXXX proceed with XXXX of my home Breach Letter. Request for mortgage assistance with financials was sent to Trustmark XX/XX/XXXX. Trustmark is not keeping their agreements that they have explained in their letters to me. XXXX XXXX sent for XXXX after Trustmark sent letter saying they would work with me on the trial payments. I feel I am being discriminated against because of being a XXXX man not treated fairly. Resubmitted mortgage assistance application XX/XX/XXXX and XXXX XXXX. XXXX XXXX XXXX Trustmark Bank previously involved in a class action settlement agreement with The XXXX XXXX XXXX XXXX XXXX for their discriminatory lending practices against people of XXXX. I do not want to lose my home to XXXX Trustmark Bank has violated privacy act as well letter sent to me included my entire social security number which is my personal confidential information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance
Product: Credit reporting

Equifax is unlawfully reporting accounts without verifying or validating the debt. They are in violation of Section 609 of the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2015, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX, XXXXXXXX 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

The initial date reported is inaccurate and the original amount owed is inaccurate. The original amount given to the collection company was over {$4000.00}. I informed them the amount was incorrect. They adjusted the amount owed but left the amount of over {$4000.00} as the original amount owed. I filed a dispute on that and the incorrect date. They changed nothing.
Product: Mortgage

I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Assistance Needed Regarding Cash App Account Blocking Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance regarding an ongoing issue with my Cash App account, which has been blocked from sending or receiving money since XX/XX/year>. 

Despite my attempts to resolve this matter directly with Cash App, I have been unable to regain access to my account. A merchant has provided me with a receipt indicating that I owe XXXX dollars, which I have attached for your review. 

I kindly request your help in facilitating a resolution that allows me to resume normal transactions on Cash App. If this issue is not resolved in a timely manner, I may have no choice but to consult my attorney for further action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

They are attempting to collect money i dont owe. The original amount was far less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX account from my reports due to inaccuracies and false reporting, because the payment history does not reflect the account been paid off in full since XX/XX/2023. Under the FCRA the credit agencies must provide me with a notice before reporting late payments. This notice must be sent by certified mail or other reliable means. By not follwing the law, I have the right to sue for damages that have caused me harm by the denial of credit.
Product: Money transfer, virtual currency, or money service

{$150.00} in the negative on cash app. The processed some check that I had no information about. XXXX XXXXXXXX. XXXX. 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Portfolio recovery and associates is continuously violating federal law. By trying to collect a debt that can not be 100 percent validated or verified accurately. Per section 809 ( b ) of FDCPA. 

Account : # XXXX Original creditor : XXXX XXXX XXXX  XXXX {$1900.00}. 

I have sent PRA,, several validation request to accurately validate this debt. By requesting the following. 

: Proof of original creditor ; name address and telephone number : Proof of how they calculated debt they say I owe, original credit limits and past due balance. 

: Proof of last payment made and received, amount & date : : Proof of the right to collect a debt in my state or territory ; : Proof of statute of limitation Under federal law, a debt collection company must provide full and complete validation. Per FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Inquiry removal letter to TranUnion after trying to contact creditors to no avail. as TransUnion told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. TransUnions customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I R Case XXXX I do not recall authorizing any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous accounts and have not provided validated proof of any findings that prove this account was authorized by me. I request per FCRA requirements. This account should be deleted immediately. I also attached a copy of the FTC report including these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Debt collection

After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to XXXX XXXX XXXX XXXX XXXX they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit report agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion. 

1. XXXX XXXX XXXX. 

2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  Original creditor : XXXX 5. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 

6. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

7. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.
Product: Debt collection

I receive a monthly benefit from XXXX XXXX for a permanent XXXX policy that I had purchased. I have also recently been awarded XXXX and was awarded a large amount from XXXX for back pay from when I initially applies for XXXX  in XX/XX/XXXX. XXXX XXXX asked that I remit the back pay I received to them,, as they can off-set the benefit they pay to me by whatever amount I receive from XXXX. 

XXXX XXXX hired a collection agency to collect the overpayment amount from me. As soon as I received the back pay from XXXX, I sent a check, for the amount requested to the collection agency that was representing XXXX XXXX, Brown & Joseph , LLC. 

Unbeknownst to me, they decided to reduce my repayment by my.monthly benefit amount, but did not communicate this to me at all! I sent Brown & Joseph {$53000.00} on XX/XX/XXXX. What I actually owed was {$49000.00}. 

I am owed {$4500.00} and I can not get Brown & Joseph to call me back ( left several messages ) and have not gotten my money back! I have XXXX and that money is needed to pay my monthly bills. I paid the amount they asked for, immediately and in good faith, and now they will not return what I overpaid!
Product: Credit reporting or other personal consumer reports

Information on my credit report was fraudulent. Could you please remove all fradulent accounts and inquiries thank you
Product: Debt collection

On XX/XX/2022 I was taken by emergency to XXXX XXXX XXXX XXXX and provided with medical care covered and paid 100 % by my health insurance provider ( XXXX ). A few days before I received a bill for medical care provided and immediately called them and gave them all the information they requested about my insurance provider, medical number, etc. they told me not to worry about it because they would redirect the billing properly to my insurance provider. I never received any other notice, notification by any way of communication from any other medical care company or provider neither my own insurance until I noticed my credit report showing a debt collection from RMP SERVICES LLC for {$1000.00} the debt was on my name, and XXXX XXXX XXXX XXXX as original creditor but didnt explain the charges or services broken down nor else but merely a total amount of {$1000.00}. My credit report showed the derogatory mark due to the debt collection and obviously as consequence it lowered down my credit score. 
On XXXX decided to send a letter ( attached with the certified mail receipt and tracking number and the confirmation of delivery ) to RMP notifying them I would dispute and requesting the validation of the debt based on the Fair Debt CollectionPractices Act, 15 USC 1692g Sec. 809 ( b ).

Until today I have not received any response. 
I respectfully ask for any help can be provided in order to resolve this matter. Also I thank you in advance.