23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying back loans little by little while currently on 0 % interest and awaiting finalization of news on SAVE plan. I was informed from my loan servicer ( Aidvantage ) website to recertify. I had contacted a representative from my loan servicer and was advised to recertify. After doing so, I was placed on administrative forbearance while awaiting results of the political climate to find some definitive solution. I have since then contacted my loan servicer and attempted to cancel recertification. I was informed that this can be done however it would continue to accrue interest for at least 60 days. This is unreasonable and the advise from loan servicer was misleading.

I have also targeted individual loans. One of the loans in question was completely paid off however it is not reflected as such on loan servicer website and instead is continuing to accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for personal loan to consolidate some credit cards into one payment, freedom debt relief contacted me at the end of XXXX beginning XXXX. Stated they would give me a loan, after denying multiple times when asked if they were a debt consolidation, all I would have to do is change my billing address so freedom financial would get my statements, I would have automatic drafts come out of my account to them and they would pay my credit cards. Wasnt until I received an email from a credit card company stating I was delinquent that I called the company they stated then they have the credit card companies settle before they make payments.. destroyed my credit score and after that freedom financial offered me a ridiculously high interest rate loan to pay off the even higher accounts since my credit was so low I couldnt get a loan from anyone else. They never explained that I paid fees that I could claim so I didnt have to pay the full amount of taxes when I received 1099Cs so I ended up on top of everything paying {$3000.00} in taxes also
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter attempt to dispute the items in my credit file which resulted from an alleged identity theft. Again, Im sending over an Identity Theft Report XXXX XXXX  Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4000.00} XXXX XXXX XXXXXX/XX/year> ========Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I sent a request to agency for debt validation on XX/XX/ but still no response as of today XXXX
Product: Debt collection

I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction regarding the ongoing presence of fraudulent items on my account. This letter constitutes a formal complaint concerning the 13th unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant distress and inconvenience. As a loyal customer, I rely on your institution to protect my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, coupled with the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with TransUnion. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by TransUnion and they refuse to remove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance {$1600.00}
Product: Credit card or prepaid card

Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.

I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.

The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.
Product: Debt collection

I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.
Product: Debt collection

In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket. 

Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX  complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt. 

In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX. 

Attached is the summary letter Ally Bank states justifies the credit report ding.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I didnt authorize these companies to pull my credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken
Product: Debt collection

I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to XXXX
Product: Debt collection

Send me a notice to garnish my wages from car loan I gotten 8 9 years ago and over charged me not even the original amount the car loan was for. Threaten to take me to court to garnish my wages for it.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Debt Validation for Midland Credit Management Case Reference : Green v. PRA Dear Sir/Madam, I am writing to formally dispute the debt claimed by Midland Credit Management and request validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am seeking clarification on the validity of the debt they claim I owe.

In reference to the case Green v. PRA ( Pressler & Pressler, LLC v. Green ), which serves as a precedent, the court ruled that debt collectors must provide clear and sufficient documentation to verify that they are authorized to collect the debt and that the debt is accurate. The ruling highlights the importance of ensuring that the consumer has adequate information to assess the legitimacy of the debt.

As of now, I have not received sufficient verification of the debt from Midland Credit Management. In light of this ruling, I respectfully request Midland Credit Management provide : 1. Proof of the original creditor.

2. Documentation showing the amount of the debt owed, including any interest, fees, or charges.

3. A clear chain of assignment of the debt to Midland Credit Management.

4. Copies of any signed agreements or contracts related to the debt.

{$430.00} {$720.00} I am aware that under the FDCPA, Midland Credit Management is required to validate this debt upon request. I expect that if they are unable to provide this information, the debt should be considered invalid, and any further collection activity must cease.

Please treat this letter as my official dispute of this debt and my request for validation. I kindly ask that you acknowledge receipt of this request and ensure that Midland Credit Management complies with my request in a timely manner. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I was issued an insurance check for {$10000.00}. This check required the co-signature from Freedom Mortgage. 
In XX/XX/2023, I mailed both the check and the full adjusters report to them. After which I didn't hear anything back from them, or on my file thru the website. I tried by phone to contact someone several times who can help and every time I got delayed, disconnected and hung up on while transferring my call. 
On XX/XX/XXXX, they finally responded to my email requests : " Your checks were submitted for endorsement on XX/XX/2023. Please allow 6-8 business days to process and mail. The check will be sent back via USPS which can take up to 14 business days to arrive. '' But they took so long the check was expired before they co-signed it. 

On XX/XX/XXXX, I received the now expired co-signed check. 

On XX/XX/XXXX, I emailed them stating : " I need to have the replacement check signed too. The original expired and can't be cashed or deposited. You still have all the documentation as I do not have another copy. It is the same claim and amount. How do I send it? '' On XX/XX/XXXX, they replied : " Notes added to claim. Please mail endorsed check to : Freedom Mortgage C/O PFIC Attention : Loss Draft XXXX XXXX XXXX XXXX XXXX XXXX '' After several days dealing with the insurance company for a replacement, on XX/XX/XXXX I mailed it to them. 
Only after waiting a long time again and hearing nothing, On XX/XX/XXXX I sent them an email stating : " I sent the replacement check to the address 2 weeks ago. Can you give me an update as to when I should expect it back? '' Then on XX/XX/XXXX, they replied : " We are in need of the full updated adjusters report from your insurance company, please reach out to your adjuster and request a copy be sent to this email address. '' They signed an EXPIRED check, left the claim open for a replacement and then did a 180 and requested a separate full Revised adjusters report with duplicate information that doesn't exist. It doesn't makes sense. They have the original report and nothing changed. The issue is they signed an check that was expiring under their possession and they are supposed to check that along with the documents I previously supplied and enter that information into the claim report. They should have notified me about the check expiring. I told them after the bank wouldn't accept it. It should have been a simple check replacement. 

This is unprofessional conduct and results in harassment.
Product: Bank account or service

My wife and I have had a joint account in XXXX XXXX XXXX 's stock reinvestment dividend plan since XX/XX/XXXX. This month we were informed by a PG letter dated XXXX XXXX, 2016 that the Transfer Agent had changed from XXXX to Wells Fargo Bank , N.A . effective XXXX XXXX, 2016. We were given an authentication number and a new account number so that we could create a new e-account. However, when I signed into the Wells Fargo website, the legal language specifically wanted us to agree to binding arbitration and other legal wording which essentially would mean that we would have to give up our legal rights to contest any malfeasance by the bank. This is blatantly unfair to us and shareholders of XXXX and other companies. More importantly, it is undemocratic and a clear attempt by this bank to restrict the legal rights of small stockholders like my wife and myself.
Product: Credit reporting

I have requested over and over again for Transunion to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Transunion has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Transunion is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : *********** XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for EQUIFAX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.