23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian XXXX XXXX says I owe XXXX and was closed XXXX. It wasn't! This account was closed XX/XX/XXXX it's over XXXX years and should be dropped. The other item was also closed in XX/XX/XXXX. XXXX reports I owe them {$220.00} I owe them nothing and the closed date is off by XXXX Year that should be taken off my report. I have been dealing with this error for the last year. XXXX has changed the closed date XXXX different times. Please help me. Thank you Sirs. XXXXXXXX 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

All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My Credit.
Product: Debt collection

I received a letter saying my account was closed. I do not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALDOUS is violating my federal rights in multiple ways I sent a Cease-and-Desist Letter to them dated XX/XX/2023 and gave the clear written instructions to remove the alleged account # XXXX from my consumer report within 4 business days of receiving the communication. However, ALDOUS is referring to the correspondent an a " dispute '' instead of Official " Cease and Desist '' where they are failing to stop communicating with indirectly through my consumer report. when a consumer sends a cease and desist ALL communications must cease and if there are ANY instructions from the consumer it must be followed. The ONLY communication that ALDOUS should have with me should be to provide written proof that written ALL my instructions were completed.
Product: Debt collection

On XXXX Capital Accounts called me to collect a debt that belonged to my daughter. I proved to them that the debt was not mine but instead ignored the proof and place the collection of {$280.00} on my account. The debt belongs to my XXXX year old daughter. Date of service is XXXX
Product: Credit reporting or other personal consumer reports

XXXX is allowing someone to keep trying for credit in my name. I spoke with them before and they stated they would put a fraud alert but didnt. This has lowered my score. They keep doing this. I called again the same thing is happening. They keep saying that they can not tell me who the person was.
Product: Payday loan, title loan, or personal loan

Signed for a loan through a pet store to replace my wifes deceased dog. Original amount was XXXX. In 8 months I have paid about XXXX dollars on the principal balance. Interest is XXXX percent. If I paid within three months of signing I would have paid the principal plus XXXX dollars and would be charged no interest. Some things happened that didnt allow me to do that so the interest started and so far Ive paid XXXX dollars and sill owe XXXX. Every payment has been made on time.
Product: Debt collection

To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.

In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I  have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX
Product: Debt collection

In or around XXXX, I was sued for a debt originating with XXXX XXXX for approximately {$8300.00}. I did not know that I could dispute the debt and started making payments. XX/XX/XXXX I stopped payments to try to resolve with original creditor. No further communication from debt collector, Gamache & Myers. On XX/XX/XXXX, my employer received a garnishment for this debt. 

XXXX ) I have zero record of XXXX XXXX trying to collect on this debt before it was sold to a collector. 

XXXX ) Debt is for defunct XXXX XXXX XXXX XXXX XXXX for profit college that closed in XXXX. I have no way of knowing what this debt is for even though all other monies for tuition have been paid. 

XXXX ) I have asked for debt verification and information regarding what the debt is, etc. from Gamache & Myers via phone and email without response. 

XXXX ) In XXXX, there was a class action settlement against XXXX XXXX XXXX parent company and I believe this debt was sold specifically for the purpose of avoiding settlement.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION O

F 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EAC
H BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to correct some of the misleading information on my credit file. As a consumer, I am protected by law from having misinformation on my credit report. Before consulting my legal counsel on handling incorrect and unverifiable items, I request another analysis and removal of the following errors I believe still exist on my credit report. Please verify the information below and ensure it is not untimely, inaccurate, unverifiable, or incomplete. If necessary, remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX. I rely on an accurate and complete credit record and request that you remove the disputed items immediately to comply with the law. If not, I will contact the Federal Trade Commission to report this issue.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the exclusion of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the mentioned accounts are inaccurate, which is unsettling for me.
Product: Checking or savings account

On X/X/17, I wrote a check from my Citi checking account to my account held at XXXX. The check was cashed and the funds made available to me in my XXXX account. On X/XX/17, the funds were removed from my XXXX account because Citi noticed that the check could not be cashed. In other words, the check bounced, which resulted in 6 overdraft fees on my XXXX account for a total of {$140.00}. 
I immediately called Citi to inquire about the check. I had more than enough funds in my Citi account to cover the check. Citi explained that the checkbook should have been " activated '' like a debit card. I have never heard of " activating '' a checkbook and I 've had many bank accounts. Citi did n't honor the check because the checkbook had n't been activated. The checkbook was not activated because the instructions to do so were not clear. The Citi rep immediately transferred me to a  supervisor and agreed to reimburse me for the {$140.00} worth of overdraft protection fees. The rep also agreed to send a same-day wire from my Citi account to my XXXX account and waive the {$25.00} wire fee. The wire fee was indeed waived. To be reimbursed for the overdraft fees of {$140.00}, I was told to fax a copy of my bank statement to Citi. Once they received it, the credit would be applied to my Citi account. I sent a fax on XX/XX/XXXX. A week later, I called Citi to check the status and was told that the case had been closed because the fax had n't been received ( even though I had confirmation that the fax went through ). By this point, I did n't have access to a fax machine, so I visited an office supplies store to pay for the fax. I again received confirmation that the fax was successful. Several days passed with no communication from Citi and I again called customer service. I was told that the fax had n't been received ( again ) and needed to visit a branch. The nearest branch is well over an hour away from me. So, the rep said that she would open another case and track down the fax. Another week passed and I again heard nothing from Citi. My husband called to check the status and was told that although the fax was received, our request for a credit would not be honored because we should 've known to activate the checkbook. I spoke to numerous people and nobody previously told me this. In fact, it was the initial customer service rep who agreed to reimburse me for the {$140.00} fees charged by my other bank, otherwise I would 've pursued reimbursements from my other bank. I followed all instructions provided by Citi and was consistently lied to and given the runaround. Then, after jumping through so many hoops, my request was still denied.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
( Original Creditor : XXXX XXXX ) XXXX* Balance : {$140.00}
Product: Mortgage

XXXX was closed in 2012 and a Letter of Satisfaction was never sent to the county Register of Deeds. A request has been made ( over 60 days ago ) and another XXXX 45 days ago requesting letter to be sent and no response as of today.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Good Morning, I am writing because I had a car financed through XXXX XXXX XXXX in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted XXXX in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XXXX XXXX
Product: Debt collection

I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS : XXXX Phone Number : XXXX XXXX TRANSUNION XXXX  XXXX : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage 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 XXXX business days, pursuant to section XXXX05C 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 victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

Please remove hard inquires XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Student loan

I am at 120 eligible payments for Public Service Loan Forgiveness ( PSLF ), but despite certifying my qualified employment through XX/XX/XXXX, Mohelas count leaves me at 118 qualifying payments or 2 shy - ineligible for PSLF forgiveness and ineligible for forbearance pending final review. However, the count is inaccurate and does not take into account XXXX of XXXX, which is listed in their records in error as ineligible due to forbearance ; however, this was Mohelas administrative forbearance that is supposed to count towards PSLF due to the return to repayment fiasco and per Department of Education communications and press releases, WILL qualify ( as they did for XXXX and XX/XX/XXXX why not XXXX? ) and the XX/XX/XXXX payment was made and the employment certification was processed after that date, but XX/XX/XXXX is not accounted for in the PSLF total count. I submitted secure messages through Mohelas portal which have gone unanswered, with the exception of one that indicated the assumption my question was answered because they saw I called two days prior what they did not see is someone transferred me to someone who could help and I sat on hold for nearly two hours before needing to get on with my life. I have little faith in calling in as this experience is typical of any past attempts to reach them by telephone. I understand I could continue making payments and if/when this ever gets sorted out, those would theoretically be refunded as 120+ payments, but if I cant trust Mohela to update their system accurately, I do not trust sending any overage in the hopes they eventually straighten it out and refund it. I immediately disputed the count through Mohela and the Department of Education complaint process, but Mohela returned a notice reaffirming the count as if a human did not check the dispute reason and it was just a computer regurgitating the incorrect information.
Product: Debt collection

I have been paying on a past due account ( Lending Club ) to XXXX XXXX for over 1 yr already and every time they try to settle with me and I tell them I cant they get very upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.
Product: Credit card or prepaid card

XX/XX/XXXX - contacted XXXX, XXXX, XXXX and XXXX at Aspire credit card company. 

Since XX/XX/XXXX I made a dispute request with aspire credit cards regarding a transaction for the amount of {$710.00} that was for XXXX XXXX XXXX. 

I have yet to receive a resolution or response for the dispute I made for the above transaction. I have called numerous times over the last year regarding the dispute that I had to wait around 3 to 4 months to receive the paper form to complete that can only be mailed to the consumer to request a dispute with supporting documentation and followed those steps. 


During XXXX the United States, Postal Service has been a nightmare, and everyone knows it. Im not the only individual that has seen a problem with delays. 

Just now I am being told that my dispute is not valid and in the timeframe of their parameters. 

I have a dispute, and the information that shows on credit card statements with aspire that the amount is in dispute and working on a resolution for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Over the past year and a half I have never received any response or been able to get a response from one of their associates one reaching out and has consumed numerous hours of my time with screenshots of 40 minutes 20 minutes an hour and a half trying to help get results of dispute. 


NO HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence or agency. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX