23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Signed up for classes on XX/XX/XXXX at XXXX XXXX College Grandmother suddenly passed away on XX/XX/XXXX and I was struggling with the loss and classes XXXX XXXX XXXX College website to explore options Website indicated I could withdraw classes if an immediately family member passed Withdrew classes XX/XX/XXXX indicating the reason as described on their website Received invoice on XX/XX/XXXX for {$1700.00} indicating I should call to set up a payment plan I reached out to XXXX XXXX, VP of Student Services indicating I follow the process on their website and expected them to remove the debt XX/XX/XXXX Received email confirmation that XXXX would review the case and get back to me when classes resumed Received email back stating I was denied the removal of debt XX/XX/XXXX My Aunt and I tried to resolve the debt collection and work with XXXX XXXX College and we were not successful, we were not satisfied with the rationale as to why the debt would not be removed XX/XX/XXXX My mother and I called again to let them know our position was to have this debt removed in the summer of XXXX after multiple threating letters and I felt harassed To ensure my credit was not impacted, I filed a dispute with all 3 credit bureaus XX/XX/XXXX The dispute was sent to XXXX XXXX College and / or XXXX collection services their position was I owed the debt and would not be removed Debt was turned over to a XXXX Collection services, a XXXX XXXX agency, my aunt and I again reached out and tried to resolve the issue, no resolution The credit bureau did mark the debt as disputing Received another threatening / harassing letter from Priority Recovery Law PLC, XXXX XXXX XXXX indicating I needed to respond within 30 days to avoid negative action XX/XX/XXXX My aunt and I called the Priority Recovery Law and explain all of the information above to XXXX  at the law firm. She indicated that she would discuss with the attorney - we did let her know we are filing a formal complaint with CFPB and XXXX. XX/XX/XXXX The new amount owed is {$1700.00}
Product: Debt collection

I received a letter fr om Procollect offering  a settlement and deletion from my credit reports. I contacted them on  XXXX   XXXX  in reference to this letter and paid the settlement and was told the collection would be deleted on  XXXX   XXXX .   To date the collection has not been deleted and still shows full balance due. I have contact ed Procollect twice about this, once spoke with a supervisor, both times being told my balance is {$0.00} and thi s is no longer their issue and was then hung up on by both associate and supervisor when I started to ask questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

received email from Experian stating issues found and feel reporting wrong and ask to have these removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.
Product: Payday loan, title loan, or personal loan

My cousin XXXX XXXX stole my identity back in 2015 and I was made aware because she tried to use my name during a traffic stop I was advised by the police IMPD to get a finger print card and carry it with me. Shortly after I would say 6 months I started seeing things on my credit report that I never had in my possession. After a long disputing process I got everything thing removed due to fraud. Now after thinking it was over I started getting garnished by a company for a loan I never got. I never received any court dates or any hearing notices because they were sending them to my old address. Even after they got the garnishment approved via my job and received my new address they still havent sent any paperwork to my current address and its on file but the company is garnishing my checks.
Product: Debt collection

I am writing to formally dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX  XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Student loan

Im enrolled in the public service loan forgiveness program ( which means that I'm also enrolled in an income driven repayment plan ). I have it to where payments are taken out every month. I noticed they didn't take out payments the last two months. When I called and asked them why, they told me than when I enrolled in classes at XXXX XXXX required for my teaching certification ) that my account automatically went in to forbearance. That was the standard operating procedure, even though I paid cash for my classes. They said I should have submitted a deferment waiver. NOBODY told me that and because of the forbearance, my interest was capitalized, making the total amount for my loans increase {$2000.00} within just two months. This is unethical. I looked through all my fedloan paperwork about PSLF and IBR and they don't mention this anywhere.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I received a letter from Truist stating they didn't receive my payment for my credit card ending in XXXX by the due date. I did not previously receive a letter or communications from that that I had a balance due and did not check as this account was no longer active ( last transaction was from XXXX of XXXX ). I contacted them on or around XX/XX/XXXX, and notified them that the four XXXX charges ( on XX/XX/XXXX ) on my account were fraudulent and wanted them removed, and that I needed a new card number. 

They stated that the they noticed fraud on my account at the time ( XX/XX/XXXX ) of the transactions and stopped the transactions after the four that occurred to the XXXX store. They stated they sent me a letter about this possible fraud but I never received it. They let these transactions sit on my account and eventual cause a late fee and interest and a report to the credit reporting agency that I was 30 days past due. 
They assigned a case number of XXXX for my dispute and said they would resolve it in 90 days. 

I just checked my account and they are continuing to charge interest and late fees and have given me no additional info resolving and will not remove the late charges/interest from my account. 

My concern is they will continue to report ( on charges/fees in dispute ) on this to credit reporting agencies causing harm to my credit score and not remove the charges as appropriate. I called today XX/XX/XXXX to request these charges be removed in a more expedient manner and they hung up the phone on me. This is the equivalent of about {$40.00} in fraud charges that takes them months to resolve all the while as they tack on fees and charges that now total {$100.00} ( of debits and fees and that are not mine ) as of XX/XX/XXXX, and report falsely to reporting credit bureaus.
Product: Mortgage

I was working diligently with Carrrington on a loan modification I submitted all required documents, but I received an email from Carrington employee XXXX XXXX stating my modification was canceled and my home is scheduled for foreclosure sale on XX/XX/24. To this date I have NOT received any official notification of the sale. Also I was not given and indication that they were even considering foreclosure Again, I submitted all requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX NM XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX LISTED
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. PLEASE DELETE THE ACCOUNT BELOW : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original creditor XXXX XXXX XXXX XXXX XXXXXXXX Sold the debt to a debt collector other than national credit adjusters that is reporting on my credit {$910.00}. National credit adjusters has been notified numerous of times that they are not authorized to collect on his debt.I have found numerous of disputes with the credit Companies about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit file and I have not received a response back
Product: Checking or savings account

On XX/XX/2022 I spoke with customer service about my account and to notify them that my Federal tax return would be deposited, the account was closed anyway. On XX/XX/2022 CitiBank force my Federal Tax Return into that closed account and refused me access to my account. I have called everyday trying to get them to give me access to my funds. I have also spoke with supervisors and I have left my number for call backs. All I keep getting is if I wanted immediate access I can go to a branch ( I live in Texas, there is no branch ) or wait 30 to 60 days for a check to be mailed once my account is closed. If my account was closed on the XXXX of XXXX why was my taxes forced into that closed account? My utilities have been disconnected, my phone is disconnected and my rent is due. Wait for a check will have my family and I XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX
Product: Student loan

I have filed multiple complaints with CFPB. Each time Nelnet will respond inaccurately and CFPB closes the case. The latest complaint to Nelnet case number XXXX was closed after Nelnet provided a letter indicating they were not going to comply with my request to follow the Sweet XXXX XXXX ( XXXX ) settlement agreement and refusal to follow XXXX  XXXX 's directive to apply the Terminal Consolidation Loan process to all automatic class members ( discharge the terminal consolidation loans [ XXXX XXXX and non-SvC loans ] and refund the monies that have been paid back to the borrower ). Nelnet stated in their XXXX letter that " We can confirm that as a contracted servicer, we follow the guidelines laid out by XXXX regarding the TEPSLF and borrower defense discharge programs ''. 

XXXX of my questions is how can Nelnet disregard the settlement agreement of XXXX and XXXX XXXX 's directive to apply the Terminal Consolidation Loan Process? How can Nelnet reallocate part of my refund to pay for non-SvC Loans? 

Yesterday, XXXX, at the SvC progress hearing in XXXX XXXX 's court it was stated that the loan servicers had corrected the reallocation of refunds to pay for non SvC loans. This was not a true statement in my case since my refund has still been reallocated. My loans have been discharged under the settlement agreement, but my refund has been reallocated to pay for the non-SvC loans. I have been saying this in each of my complaints and Nelnet continues to disregard the court and continues to say they are only doing what the Department of Education ( XXXX ) is telling them to do. 

In the XXXX letter Nelnet states that " If we do not receive new information substantiating your claim, we may file your concerns without additional action ''. What more or new information is needed? The court documents have been provided to Nelnet. Nelnet has attorneys present at the hearings and have been told to follow the courts directives. I need to know exactly what additional information is needed? 

I also need Nelnet to provide me with the written XXXX guidelines that were referenced in the XXXX letter. 

According to my records, my remaining refund should be between {$10000.00} and {$10000.00}. I honestly believe it should be more. I do not believe XXXX has my full payments documented. On XXXX in XXXX of my many conversations with Nelnet, a Customer Service Representative indicated that the records in my file showed that on XXXX XXXX authorized refunds in the amounts of {$5100.00}, {$6700.00} and {$7900.00} totaling {$19000.00}, however, I do not have actual documentation of these numbers even though I requested the documentation from Nelnet. 

I need Nelnet to follow the court 's directives. Refund my money! 

Once that is completed my case will be complete according to the SvC settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an od XXXX XXXX that was closed in XXXX  andvyuou guys are reporting me delinquent for XXXX XXXXXX/XX/XXXX on my equifax report How? Is this possible
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Transunion credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.
Product: Debt collection

i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts as a result of identity theft pursuant to 15 USC 1601, 15 USC 1681 and 15 USC 1692 are as follows : 1 ) XXXX XXXX  2 ) XXXX  XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX. 

Credit Reporting Agencies ( EQUIFAX, XXXX  and XXXX  ) continue to report on one or more of these fraudulent accounts despite receiving an Affidavit and Debt Validation letters via the US postal system with written instructions of how to write my consumer report within the confines of legality and to prevent further damage. These fraudulent accounts are causing me injury, economic strife and clearly violates many, many federal laws.
Product: Student loan

I applied for student loan forgiveness under the TEPSLF program in mid-XXXX XXXX after reaching my ten-year anniversary of service at my regional public university XXXX XXXX XXXX XXXX XXXX XXXX I have been repaying student loans since at least XX/XX/XXXX, so I should have more than enough qualifying payments for the program as well. However, MOHELA, my current loan servicer has initially disqualified all those past payments by claiming that I was paid ahead on my payments due every month and therefore I did not received monthly billing. My stance is that I made the necessary payments under my graduated repayment plan regardless of whether I paid a bit ahead or not. 

My prior loan servicer - XXXX XXXX XXXX- did not do anything with my TEPSLF application between XXXX and XXXX XXXX. In XX/XX/XXXX, my {$26000.00} in remaining loan principal ( {$24000.00} DL consolidation subsidized + {$1900.00} DL consolidation unsubsidized ) was transferred to MOHELA for PSLF/TEPSLF processing. 

MOHELA has entered my loans ( inaccurately, I believe ) into their system, but they have only counted 31 qualifying payments toward each respective loan covering the period during the pandemic. When I reached out to MOHELA twice in early XX/XX/XXXX, I was told that my payments between XXXX did not count because I was always in " paid ahead status. '' This " paid ahead status '' is penalized under income driven plans, but I was on an entirely different repayment plan for graduated repayment. Regardless of whether I technically paid ahead I surely made the minimum payments each month, so these payments should be reclassified as qualified payments. 

In addition to the 31 payments per loan that MOHELA is counting for the pandemic, there are 114 combined payments MOHELA does not count between XX/XX/XXXX and XX/XX/XXXX, deeming that " no bill was due for the period. '' Additionally, MOHELA has no record of my repayments between XX/XX/XXXX and XX/XX/XXXX, which appears to be a flat out error and omission ( I'm listed as having one payment in XX/XX/XXXX which oddly does not qualify somehow as a qualifed repayment ). 

In my XXXX calls to MOHELA, I requested a hand recount of my qualifying payments under TEPSLF rules, and I was told to wait six weeks. MOHELA 's answer always seems to be wait, wait, wait. Could you at CFPB encourage MOHELA to expedite my recount and permit me to get to the point where I can appeal any faulty decision by MOHELA henceforth? I've seen from other posts of borrowers that they might wait many months or even years for such redesignations. 

Thank you very much, and I look forward to your reply and any follow up questions you may have. 

XXXX XXXX XXXX
Product: Debt collection

called and told XXXX XXXX i was moving back in XX/XX/2019 and turned my equipment in they told me i was not on contract and everything was okay and they will cancel my service i noticed a bill in XX/XX/XXXXfor {$500.00}. i called them and and paid. now I have bill collectors harassing me for service i never got.
Product: Debt collection

I recently just paid a medical collection last month, however XXXX  is refusing to remove it when the law and their blog clearly states once paid they are to remove it. Moreover, they were the only credit reporting agency that refused to remove it when I disputed and sent in documentation that showed Medicaid was responsible for the bill like the other two big credit agencies. Nevertheless, since they continued to let the collection company report monthly and hurt my credit score I just paid it because Im trying to purchase a home.
Product: Mortgage

Mailed my monthly mortgage payment on XX/XX/XXXX. Get an email around XX/XX/XXXX stating Mr. Cooper had not received payment. I researched and found that Mr. Cooper had not picked up the payment from their mail drop box, yet it had been there for XXXX weeks. I issued a new payment and canceled the original since they would not pick up and process. A month later Mr. Cooper decided to cash the original check, which I had already stopped. Mr. Cooper charged me {$25.00} NSF for the check I stopped ( because they would not process it timely ). If I had not stopped the payment and reissued a new payment Mr. Cooper would have charged a late fee, so either way the customer is penalized due to Mr. Cooper mistake.
Product: Vehicle loan or lease

I bought a truck on XX/XX/XXXX and the payments are $ XXXX with an 18.24 % interest rate. The lender has not reported anything to the credit agencies. I'm trying to rebuild credit and want to refinance but they have not reported to any agencies. When I called on XX/XX/XXXX they told me they would do an investigation as to why it wasn't and send me a letter explaining and to expect to see it on my credit report within XX/XX/XXXX days. I called again on XX/XX/XXXX and got the same response, no action has been taken. This should have been reported as soon as the loan was opened but 9 months later it still hasn't been.