23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX ( debt from XXXX ) hired Petenaude Felix - represented by XXXX XXXX XXXX. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX Patenaude & Felix ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by Patenaude & Felix or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days  ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted Patenaude & Felix XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact XXXX XXXX and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss  XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
Patenaude & Felix made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.
Product: Debt collection

In the past 5 plus years creditors have been trying to collect a debt owed by someone else from XXXX XXXX XXXX. I contacted EACH debt collector with a written dispute requesting the date/amount/services rendered/doctors name and all details including a copy of an agreement signed by me. Each time the debt collector is unable to provide the information as required by law. Then EACH debt collector transferred this matter to another debt collector neglecting to inform the new agency of the dispute history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  and we came to an agreed upon settlement they told me they would report my account closed and paid on my credit I had disputed the information on my credit report with experience and provided the documents XXXX XXXX  gave me instead of marking it as paid under settlement they took off the mount off the total and marked it as a late payment this is incorrect and lowered my credit 40 points for paying off my account
Product: Debt collection

ASG XXXX has attempted to contact someone at my phone number at least 15 times per day in the last 5 days, from 8 different phone numbers. I have screen shots of the last few hour, where Ive received 5 phone calls and voicemails, and 7 text messages of them telling me to call them immediately or action would be taken. I am not the person they are looking for, and I have reached out and told them such, yet the harassment continues. I have threatened to use legal action against them, but they just hang up and call from a new number I have not blocked. The calls come as early as XXXX central time, and as late as XXXX central time. This is absurd and absolutely harassment at this point in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name Zion 's Debt Holdings, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with XXXX, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to Zion 's Debt Holdings, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to Zion 's Debt Holdings, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$94.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$17.00}, XXXX XXXX Balance : {$4700.00}XXXX XXXX XXXX  XXXX Balance : {$48000.00}, XXXX XXXX XXXXXXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on my Credit Report - Reference : 15 U.S.C. 1681 I am writing to formally dispute certain inquiries listed on my credit report as authorized by the provisions of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681. I have reviewed my credit report from and identified unauthorized inquiries that have been made without my consent.

I would like to bring your attention to the following inquiries on my credit report : DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX I would like to emphasize that I did not provide permission or authorization for the aforementioned inquiries to be made on my credit report. According to the FCRA, it is essential that inquiries made on an individual 's credit report are done so with their explicit consent. As such, these inquiries are in violation of my rights as a consumer under 15 U.S.C. 1681 and the FCRA.

I kindly request that you investigate these inquiries and, if found to be unauthorized, remove them from my credit report in accordance with the law. Please provide written confirmation of your actions and any updates made to my credit report.

I expect your prompt attention to this matter as required by law. I believe that a thorough investigation will reveal that the inquiries were made without my consent, and I trust that you will take appropriate action to rectify this situation.

Thank you for your assistance in resolving this matter. I look forward to receiving written confirmation of the results of your investigation and the corrective actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

1. I took a consolidated loan out from XXXX in XXXX. My required monthly payment has always been {$120.00}. The first loan servicer was XXXX XXXX XXXX XXXX That changed to XXXX . XXXX then changed their name to XXXX. In XXXX of XXXX Nelnet became the collector. 
2. I have always had one consolidated loan payment. The last time I received a correct statement from Nelnet of the actual amount that I paid on my loan was the XX/XX/XXXX statement. I have requested several times and have never received the XXXX or XX/XX/XXXX statements. The XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids i paid XXXX ; whereas I paid XXXX. XXXX. 
3. I called the company on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX claimed that I had two loans. And insisted I did not know what I was talking about. Nasty and surly. None of these phone calls resulted in the XXXX or XXXX statements. Ever. All of the reps stated that they did not have complete access to the files. Half of them were nasty. I have asked repeatedly for the statements to be sent by mail- USPS , XXXX XXXX XXXXXXXX  so that I have a record, as is my right, yet they continue to email me. The company has sent me 2 emails saying that they called me. My phone log shows that they are lying. No Nelnet phone call or voice message. I have written them 5 times. 
4. I want the monthly statements from XX/XX/XXXX until XX/XX/XXXX, with the correct amounts that I have paid to this collector.
Product: Debt collection

This Unknown number has been calling me for a month now, and it is Comenity Capital Bank. I informed the rep I did not want to be contacted by phone and to mail any correspondence. The rep began to get irate. Every week, they call me at least  XXXX  a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

NAVIENT XXXX XXXX : {$6900.00} ;
Product: Debt collection

The debt collector has sent messages via social media to friends and customers with my name and debt information, telling them they are responsible to repay the debt. 

I have made numerous repayment offers to the collector and have been met with nothing but opposition. They have threatened litigation and threatened to contact all of my customers. They have already begun contacting my customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had MULTIPLE identity theft issues since the Equifax breach in XXXX ( which I was a victim ) including : fraudulent attempts of person ( XXXX ) using my SS # & other personal information to file a XXXX unemployment claim ; open a XXXX XXXX Bank account ( XXXX ) ; file my XXXX Federal Income Tax returns in attempts to obtain a refund ; attempts to withdraw hundreds of dollars from my current bank account ( XXXX ) ; multiple breaches of various email addresses, phone numbers, passwords, & just about every other piece of personal information you can think of. Ive also had multiple breaches of various medical accounts. You name it, Ive been a victim. Yes, Ive done EVERYTHING recommended ( short of changing my SS #, which in & of itself would be a HUGE ordeal to change ; plus, theres no guarantee it would help anyway, according to the SS Administration ), to stop these breaches & identify theft issues, but since ever since the XXXX Equifax breach, it keeps occurring. 
Since XXXX, a collection agency claiming I owe {$110.00} XXXX XXXX, Inc.appeared on all three of my credit bureau reports : XXXX, XXXX XXXX Equifax, ruining my perfect credit score. Despite MULTIPLE attempts to reach the original creditor ( XXXX ) Im unable to reach them. When I call them, they require an account # to proceed with the call & of course, I dont have an account # because I dont use XXXX & the {$110.00} is NOT MINE. Ive also tried to validate the debt with XXXX XXXX XXXX XXXX. They do not respond. So, after disputing the collection on my XXXX XXXX XXXX reports, both agencies removed it. Equifax refused to remove it, despite my dispute that it isnt mine & very likely has something to do with my ongoing identity theft issues. I call Equifax to explain the situation & the rep who answered was USELESS. She had NO CLUE how to help me, put me on hold forever & then I was then transferred to Equifax XXXX!! I live in the U.S.! I dont know what to do at this point to get Equifax XXXX who likely caused my identity theft issue in the first place, to remove this collection agency from my Equifax report. Please help. Ive run out of options.
Product: Student loan

PSLF COMPLAINT : The PSLF program is riddled with delays and inaccurate calculations. I believe that these delays and errors are specifically intentional in order to delay the processing of the loan forgiveness.

In XX/XX/XXXX, I submitted paperwork for the PSLF program to my lender XXXX, they then transferred my loan to PHEA, XXXX. Last year in XX/XX/XXXX my loan officially transferred to PHEAA, XXXX XXXX  due to the fact that I am eligible for the Public Service Loan Forgiveness ( PSLF ). Initially, I was told that it would take 90 days to process my eligibility for the program and calculate my payments. I contacted XXXX  in XX/XX/XXXX and they said that one of my employers wasn't verified even though it was a public school. I finally had the school call after resubmitting some paperwork and finally at the end of XX/XX/XXXX XXXX  approved my employment history as I have been XXXX   for 11 years.

After the employment verification was complete, I contacted XXXX again and they said that in a couple of weeks, my payment history would be calculated. As ofXX/XX/XXXX my payments were calculated however, there were substantial issues. I made another phone call on XX/XX/XXXX to discuss this matter and all of the payments that were not counted were flagged and the account is now headed back to be reviewed. The only evidence that XXXX   gave to why years of payments didn't count was because they were stated as though the payments were not fully satisfied in the month. I have been on the correct Income based repayment plan, have never been late on a payment in the last 11 years, and had all of my payments Direct Debited from the same bank account so this claim is quite confusing. There were a few months of forbearance or deferment while my loan was being updated or transferred. Upon asking how long this process might take, I was told that it could take 6 months. At every step in the application process I have faced substantial processing delays as well as errors that caused me to get a review of the application taking a process which should have been under 6 months and extending it to over a year. Meanwhile I'm making payments but I'm quite frustrated with the fact that it appears like there are huge inefficiencies in processing loans for PSLF. I even went through and calculated my payments made to my student loans that should qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies I am a victim of identity theft and I complaint to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I took the liberty to investigate my own Credit File since the Credit have done nothing, I immediately took note of the following : a ) Some of the account in dispute were already removed from my Credit File with the other Credit Bureaus and yet are still being reported by some of the Credit Bureaus ; b ) these accounts were the result of my identity being stolen ; and c ) despite my attempts to dispute these accounts, the Credit Bureaus have been doing nothing. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove the disputed accounts since these accounts were results of identity theft. Under the FCR section 605b, I am requesting that the Credit Bureaus remove the disputed fraud accounts and information completely from my Credit file as soon as possible : XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the Disputed accounts belong to me, please send me copies of proof of verification as well as copies of documents bearing my signature. If the Credit Bureuas can not provide me copies of of proof of verification, please have the disputed items removed as soon as possible.
Product: Checking or savings account

Sofi Bank has decided 3 weeks ago to close my account which has over 500K in it, They stated they will send a check in the mail. 3 weeks later and my account is restricted adn nothing has happened and they keep saying it is under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Debt collection

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

On XX/XX/XXXX, Mohela sent me correspondence - warning that interest continued to accrue and capitalize on my accounts despite being in administrative forbearance ( can be supplemented upon request ). All of my loans are currently covered under the SAVE repayment plan.

According to Mohela, I owed {$890.00} in interest that had accrued over the past several months. I immediately issued specified payments on each of my loans to resolve the outstanding interest.

Thereafter, I consulted with a financial advisor/attorney, who advised me that Mohela had improperly claimed interest existed, when it in fact, did not.

Mohela appears to have allocated the funds to each of my principal balances respectively, however, Mohela also continues to report the funds paid were specifically applied to " interest ''.

As Mohela has done nothing but lie and misrepresent issues surrounding my ( and millions of other ) student loans, I am contacting the CFPB to report this event, and to otherwise request clarity as to whether funds paid to Mohela on XX/XX/XXXX should or should not be present/accounted for on my annual taxes, specifically the 1098-e form.

Respectfully, - <redacted>