23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for loan forgiveness in the beginning of XXXX of XXXX. The DOE isn't counting all the payments I made prior to XX/XX/XXXXXXXX even though I've been paying since XXXX. Every month, on time. I've worked for the federal government and military since XXXX. Having worked for the Department XXXX XXXX since XXXX, I've had them properly sign my certification showing my employment. 

PLEASE HELP, this has been so aggravating ... I've made so many phone calls, written letters, emails, applied, re-applied. NOBODY HAS ADDRESSED MY ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written constructions.
Product: Payday loan

I am receiving calls from fake process server named XXXX XXXX saying he will come to my place of employment to serve me. He gave me the phone number of the " client '' to contact. I called the number XXXX and spoke to XXXX XXXX. She began by stating I had committed fraud maliciously and I was going to be prosecuted for a payday loan that involved XXXX XXXX checking account in Florida. When I asked her if she was a debt collector, she replied " yes ''. I asked her why she did n't read me the XXXX warning as is required by the FDCPA. She then began to read the XXXX warning. I told her that she was violating federal collection debt practices law by having someone call to threaten me with serving a warrant and by not identifying herself as a debt collector. Then she began to yell at me that I was a criminal and I was going to be arrested for stealing money. I hung up and XXXX minutes later she called me back to tell me that she was n't afraid and I was going to be sued and then she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Mortgage

Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Lockhart Morris & Montgomery, illegal contract by XXXX XXXX not signed by the President or myself
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires I did not make nor did I give anyone or approve to pull my credit report
Product: Credit reporting or other personal consumer reports

TransUnion i have an issue with TransUnion, updating my paid accounts. 
In the past they report my credit card payment as paid. They also report that the account has been paid in full. My credit points drop to XXXX points. I still have that credit card open. 
This happens with any credit card, I pay this time it was the XXXX XXXX.
Product: Debt collection

I had a company contacting my mother called Aqua Finance in regards to a payment. When they asked for her, I informed them that she unfortunately passed. Then they said she owed a payment and I stated she passed thats why it wasnt made. I told them Im on a fixed income and can not pay this loan. Then they said that they are looking for the co-signer and I inquired as to whom that was. They asked for me. I said to them, that I never co-signed anything with my mother. I asked for a copy of the documents to see a signature. I asked could I have smaller payments until we can resolve this situation because I am not responsible for this account and they have not provided any documents yet. Nor would they reduce to affordable payments until it can be proven I was not obligated to this account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXXXXXX XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXX for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting. 

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX XXXXXXXX XXXX  is required to issue a 1099-C to me and the IRS. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and XXXX XXXX : XXXX XXXXXXXX XXXX  is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a 1099-C was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX XXXXXXXX XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation.

2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided.

4. Provide all documentation related to the ownership, transfer, or sale of the debt.

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

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

EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNT ( XXXX XXXX  ) WHICH WAS ASSOCIATED TO AN ERRONEOUS, BUT NOW ( DELETED ) XXXX XXXX BANKRUPTCY. THIS ACCOUNT HAS AND CONTINUES TO AFFECT MY CREDIT WORTHINESS. I HAVE A XXXX FICO SCORE, BUT AM BEING DENIED LINES OF CREDIT DUE TO THIS ERROR! I WANT THIS ACCOUNT DELETED NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern. XX/XX/XXXX I made a big mistake in XX/XX/XXXX. I had let some credit cards get out of hand, and I was looking at paying them off. 
Somehow, I got a message from XXXX XXXX about that time, Erase your credit card debt. I made the mistake of contacting them. They were talking about a " negotiated settlement, '' which sounded pretty good. When they told me to stop making payments, I told them that would ruin my credit. They said that no one would negotiate unless the account was delinquent. They said that it would be very easy to clear my credit rating when they finished. 
Im sure you have heard this story before. I ended up with a high-interest loan for what they paid on the credit cards. Then I got a XXXX Tax form ( Earnings statement ) from the credit cards for the unpaid balance, and paid tax on it. I could have paid off the cards for what it cost me. 
I have endured the consequences for 7 years because I felt that I had created the problem, out of my own ignorance. 
It has been over 7 years, and I am still paying exorbitant interest rates, except on my VA loan. 
You can see that I am paying all of my debts on time, and I can lower the balances, if I can lower the interest rate. Currently, I see nothing on my credit report that I can protest. 
Please, just point me in the right direction to resolve this problem. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION Expedite XXXX : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
Attach : COPY OF ID ATTACHE DISPUTE LETTER ATTACH PROOF OF ADDRESS XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$42000.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$7000.00} XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$700.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$300.00} XXXX DATE OPENED XX/XX/XXXX BALANCE : {$470.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$4500.00}
Product: Credit reporting or other personal consumer reports

I was recently contacted by a lender called XXXX XXXX, they claimed i had applied for some sort of home improvement loan i had no knowledge of. 
After i was made aware of this I requested all documentation and all signed agreements they said they had, I have yet to hear a response. I pulled my credit reports and noticed that the loan was fraudulently reporting on my consumer file on ( Transunion ). I have reached out to Transunion and was told to submit a Fraud affidavit and police report for Identitty Theft. This bureau has failed to block or remove the fraudulent account and now has damaged my consumer file and my credibility. I am seekimg damages under the FCRA immediately and this crime committed against me to be resolved.
Product: Credit card or prepaid card

I'm making a complaint against the bank Chase Credit Card for taking advantage of XXXX veterans. In particular, having a program ( Pay over time ) where you pay for different charges Hamstringing the rest of the available credit forces the veteran into debt. I explain this to your associate named XXXX today at XXXX XXXX XXXX XXXX XXXX XX/XX/2023. He said to my face, I was stupid to do it. So, I'm going to see if I can talk to the VA, their bank. First, I'm starting with the XXXX complaint. 
I also called a second time to put in a complaint over the phone. But instead of taking my complaint, he tried to explain something. That I am asking about so. He frustrated the customer, which is me, to hang up instead of taking my complaint. XXXX XXXX. at XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX XXXX   {$2800.00} XX/XX/XXXX synchrony networks {$2000.00} XX/XX/XXXX XXXX  XXXX  {$3300.00} XX/XX/XXXX Remove from all 3 credit reports
Product: Debt collection

On XX/XX/XXXX I wrote a letter to S & S Recovery Inc in regards to a debt they are reporting on my credit report. I requested certain documents like the break down of charges, payment history, date of last activity and more in order for me to verify the debt. To this day this company has not responded. They have disregarded my request, and this account needs to be deleted from all credit reporting agencies.
Product: Credit card or prepaid card

In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters. 

Apple then credited the fraudulent charges ( as they should have ) and started and investigation. 

Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}. 

I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem. 

In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited. 

This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}. 

I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ). 

It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card. 

Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I've received numerous phone calls from Rent Recovery Solutions attempting to collect a debt. My mother and I were on a previous rental lease together and she too has been receiving an overload amount of phone calls attempting to collect this supposed debt. 

We each receive phone calls daily, on the weekends, early in the morning and our family members have also been contacted in this company 's attempts. My mother and I have no outstanding debts to a renter or creditor and no proof from this company has been submitted to us. 

I have a log of phone calls from this company and it's harassing to not only myself -- but also to the family members who've been contacted by this company. 

I am requesting for Rent Recovery Solutions LLC to cease and desist from all contact of myself, my mother -- as well as other family members and for an immediate stoppage of any attempt to collect a debt as well as for their threats to place collections claims with credit bureau agencies to stop. 

Rent Recovery Solutions is in violation of fair debt collection practices act.
Product: Credit reporting or other personal consumer reports

Upon review of my credit fraud accounts are presented the reporting are In violation of XXXX USC XXXX ( a ) ( 2 ) permissible purpose of consumer reports XXXX USC XXXX ( a ) ( 2 ) permissible purpose of consumer reports. I didnt provide consent to furnish account. Delete account. 

XXXX U.S. Code XXXX consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

Documents included the FCRA 605B ( XXXX U.S.C. XXXX ) Drivers license SSN DOB Bill
Product: Prepaid card

Theres a fee for declined transactions on this card. One transaction was declined and instead of getting charged XXXX dollar i was charged XXXX. I know a fee of XXXX dollar is not alot however i dont think it should be enforced. The netspend prepaid debit card sucks! They have fees for things that arent completely in your control. I can not get a new card or set up direct deposit with my employer because this is the only form of payment they offer. Im greatly annoyed and dissatisfied with their service.
Product: Debt collection

Portfolio Recovery Associates LLC has violated all of my federally protected consumer credit rights. Pursuant to 15 USC 1692d, Portfolio Recovery Associates is threatening me via false debt collection letters, and also by reporting fraudulent consumer claims on my credit reports. The statue of limitations has expired on this account, and they are still harassing me for payment. Portfolio Recovery Associates LLC has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

Pursuant to 15 USC 1692c ( c ) 2, I am invoking my specified remedy as a consumer, and I am the Original Creditor. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.