23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX  XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Mortgage

XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXX  continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired.
Product: Vehicle loan or lease

Dear Credit Acceptance Corporation I am writing to request validation of the alleged debt referenced above, which you claim I owe. This is a formal request for validation made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information regarding this debt : 1. Verification of the amount owed : A complete breakdown of the debt, including principal, interest, fees, and any other charges.

2. Original creditor information : The name and address of the original creditor, along with any information on how this debt was acquired by your agency.

3. Proof of your right to collect this debt : Documents showing that you have the authority to collect this debt on behalf of the original creditor or that you have purchased the debt.

4. Payment history : Documentation showing the history of payments and any charges or credits applied to the debt.

5. Statute of limitations information : Verification of the date of the last payment on this account and whether the statute of limitations on debt collection has expired.

Please treat this as a formal dispute of the debt, and cease all collection activities, including reporting to credit bureaus, until proper validation of this debt has been provided to me in writing. 

Thank you for your attention to this matter. I look forward to receiving the requested information within 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting

When I got my report I saw, under Adverse Accounts, " XXXX XXXX XXXX, '' collecting for XXXX XXXX XXXX XXXX in XXXX WI. I had told XXXX XXXX and then XXXX that I do not owe this money because neither I or anyone acting in my behalf ( my husband being with me ) gave my permission for the ambulance transportation and when I asked for their pertinent documents the driver provided, as " proof '' that I did, a fraudulent receipt signed only by him, which is against Medicare rules. I disputed the adverse report with TransUnion, the only credit agency who gave me a free report, and they issued a " research '' report that my compliant was frivolous without speaking with me or asking for my proof. This is contrary to the new statute saying they must get my side of a complaint about an adverse credit report. The attached papers describe the incident in detail.
Product: Debt collection

Formal Complaint Regarding Unresolved Issue with XXXX XXXX Account and ALLIED COLLECTION SE Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with XXXX XXXX XXXX XXXX XXXX XXXX ) and ALLIED COLLECTION SE. I believe that my consumer rights have been violated, and I seek your assistance in resolving this matter. 

Account Information : XXXX  Account Number : Unknown ALLIED COLLECTION SE Account Number : Unknown Summary of the Issue : I had an account with XXXX, and the balances was paid in full on XX/XX/2023 However, I recently discovered that this account is still being reported on my credit report through ALLIED COLLECTION SE. Despite my attempts to resolve this issue, the problem persists, and it is adversely affecting my credit score. 

ALLIED COLLECTION SE Contact Information : ALLIED COLLECTION SE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV  XXXX Phone : ( XXXX ) XXXX When I contacted ALLIED COLLECTION SE, their representative informed me they had sent the account information to the credit reporting agencies. This has resulted in inaccurate and damaging information being reported on my credit report, even though the underlying debt has been satisfied. 

Steps Taken to Resolve the Issue : Contacting XXXX : I have contacted XXXX multiple times to rectify this issue, but they have been unable to resolve it. 

Communication with ALLIED COLLECTION SE : Despite informing ALLIED COLLECTION SE of the deletion status of my account, the erroneous information remains on my credit report. 

Requested Action : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting by ALLIED COLLECTION SE. Additionally, I ask for assistance in ensuring that XXXX updates its records to reflect the correct status of my account. 


I appreciate your prompt attention to this matter and look forward to a resolution that removes the inaccurate information from my credit report. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I was going to transfer my balance to another financial company when I read there would be a 24 hour hold on the funds I clicked no I declined that transfer however PayPal did it anyway holding all my funds without transferring and funds to other account
Product: Credit reporting or other personal consumer reports

Unauthorized activity identified in my credit report with XXXX XXXX on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
XXXX XXXX assured XXXX XXXX would report tge incident and have tge hard inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed the account XXXX XXXX on all three credit reporting agencies for it to be removed. This account belongs to my childs father whom I have no dealings with. I have asked for it to be removed previous times and even sent documentation in to show his name is on the lease for this vehicle. The bureaus have CLOSED the account ( which it has been paid with a settlement offer ) instead of removing the account off my reports.
Product: Debt collection

A SECOND LETTER REQUESTING INFO : ( first letter dated XX/XX/year> ) regarding my formal debt collection dispute. I am requesting your records for account numbers # XXXX, XXXX, XXXX, and XXXX. I additionally request original creditors agreement stipulating the alleged debts owed by me with all recorded evidence you XXXX claim to have validating the alleged debt. 
I stipulate the original creditor violated the truth and lending act. Also, as the alleged debtor, I deny all of your statements that appear as adverse on the XXXX, -Experian, -Equifax Credit report and any file record pertaining to my personal credit information. I am enclosing XXXX pending investigations pertaining to my personal information being compromised.
Product: Credit reporting or other personal consumer reports

I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXXXXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,
Product: Mortgage

I believe that my escrow account has been mismanaged. 

In XX/XX/XXXX I refinanced my mortgage loan, My payment started out at {$900.00}. On XX/XX/XXXX I was sent a letter by 5th 3rd Bank reducing my payment to {$790.00} and a check for {$460.00} for an overage in my escrow account. I assumed the bank knew what they were doing. I just received ( XX/XX/XXXX ) a letter stating that my XX/XX/XXXX payment has been increased to {$1000.00} due to a shortage in my escrow account. I contacted the bank and they could not explain how their figures were so wrong. They have made mistakes on the projected cost of insurance and taxes for XX/XX/XXXX. 
and then lowered my payment. They must have caught their mistake and now I am forced to come up with about {$3600.00} over the next 12 months.

This is not right. I live on Social Security and this is going to cause me great hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Debt collection company Arstrat sent collection letter to me dated XX/XX/2022 saying that XXXX  XXXX placed an account with them to collect a medical debt that was allegedly mine. I in turn sent Arstrat a letter on XX/XX/2022 certified stating that they needed to provided me written proof with a wet signature that this debt first belongs to me and second that I signed stating that I give XXXX  XXXX permission to give my information to a third party, which I didn't. I received a letter back from Arstrat on XX/XX/2022 stating that their office was in receipt of my letter of dispute and said that they reached out to Texas XXXX who confirmed my information and has attached billing information with medical explanation and cost. This first did not comply with my request of a wet signature contract, second they violated my HIPAA rights based on 42 USC 1320d, where as I didn't give permission to XXXX XXXX to give any medical information to any third party. Please see attached all letters of violation of my HIPAA rights.
Product: Credit reporting

TRANSUNION HAS REPORTED A DEBT, XXXX, XXXX AND XXXX. THIS DEBT WAS RESOLVED BY MYSELF WITH THE GOV AGENCY XXXX DUE TO THE DAYCARE BEING OUT OF COMPLIANCE WITH BILLING PRACTICES. THIS DEBT WAS ALSO INCLUDED ON MY BANKRUPTCY AS IT WAS RESOLVED BUT HAS NOT BEEN REMOVED FROM MY CREDIT REPORT.
Product: Mortgage

My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.
Product: Student loan

My original complaint with the CFPB is # XXXX because AES was not responding within a reasonable amount of time to my request to have my loans forgiven due to school misconduct. A few days ago I received a notice in my online inbox that the loan owner ( XXXX XXXX  ) is " ... not taking action on my request... '' with no additional information. They didn't provide me with a way to follow up on this matter directly with them, but I did submit a request earlier today for information on why my request did not result in action and if there is anything I can do to get them to reconsider, but given their track record of following up I doubt I'll hear back any time soon.