23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended South University XXXX Campus in XXXX where I was approved for XXXX XXXX and sub and unsub loans for South University ; as well as out of pocket expense for tuition. I was set up for a payment plan for my out of pocket expense that would be debited out of my checking account which i had to pay monthly. I tried to get the payments as low as possible being that I am a single mother with a child and i did not have a good paying job to make such big payments, the lowest that they could make my payments were XXXX which was still a bit much for me being that i was only making XXXX/hr working less than XXXX hours a week. In the year of XXXX my child was diagnosed with a XXXX and was deemed XXXX and that was a life changing event in my life that was very challenging to make sure i could find all the resources to help my child with his XXXX. i tried my bbest to make sure i was able to attend school but it was hard with all that was going on with my child which cause me to miss out on my education and had to withdraw from my classes. In the XX/XX/XXXX my father had a XXXX and i had to fly to XXXX to take care of him being I am the only child that my father has. I noticed the school of this matter being that it was the week of exams and that i needed to drop out of my classes. After my father was getting back to good health I tried to registered back to South University with all these life changing events, The Dean of South University stated that I would need to submit documentation in regards to this matter because South University was going to dismiss me from the school. I put in an appeal and provided all the required documentation that was asked from me and The Dean of South University denied my reentry back into the school and stated that I could put in another appeal in a year to see if the school to accept me back in. I was left with a balance of XXXX and the school was paid with my loans and XXXX the whole time i attended the school. I am unable to attend any school without being able to provide my official transcripts and it has been hard for my to further my education. I 'm unable to further my success with being in school or to get a better job without a degree. I feel that the whole situation is unfair because i provided what i needed to get back in school and I had valid documentation but still was denied my success to further my education plus left with a balance that i should not have to pay being that I was dismissed from the school and the school was paid by The Department of Education. Can you please assist me with this concern to help me further my education to get back in school?
Product: Credit reporting or other personal consumer reports

-In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC -1681. The accounts bellow have violated my rights. 
-15 USC 1681 section 602A, States I have the right to Privacy.

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

-15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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, XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Product: Debt collection

This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by XXXX and the other bureau 's because it was a " Fraudulent Account '' open in my name. 

This account has since been sold by " XXXX XXXX 's '' to " Portfolio Recovery, LLC '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " XXXX '' and " Portfolio Recovery '' on my credit reports. 

_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ XXXX Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " PORTFOLIO RECOVERY '' : XXXX XXXX ACCOUNT # LISTED ON XXXX : XXXX _____________________________________________________________________
Product: Debt collection

XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$510.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

I have constantly asked to be emailed a disbursement of all my history of payments and payoff and I have requested ow 6 times and amerihome constantly never emails me as advises they will. I asked for a supervisor and yet no one will speak to me. Im extremely upset that I have to go through this process just to retrieve my own account info
Product: Debt collection

XXXX Bank a Walmart credit card. Has repeatedly added an interest fee on my monthly statements. Despite there being no causation to do so. 

When I contact their representatives. And have them review my account. They remove it. 

I XXXX out my account monthly. And I have NEVER been late on a payment! 

Though it is a small fee on $ XXXX. If each consumer is billed this fee. In this way. 

It could prove to be millions. I refuse to pay this. And I should not need to defend my payment history. For random added fees tri-monthly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Product: Credit card

I placed an XXXX XXXX XXXX  XXXX order online XXXX on XXXX XX/XX/year> using Apple Card, due to delivery date is long canceled on XXXX XX/XX/year>. I got intimation like once order sent back to warehouse I will get refund but it took long and went till XXXX XXXX. But I raised a dispute XXXX XXXX in my apple card to avoid payment for that monthly bill. I havent Received refund even after XXXX XXXX so. 

I called apple and explain the situation after being in 2hr call with Goldmansach & apple team. I came to know that apple completed their side by generating invoice proofs and set their side refund as completed by assuming Goldmansach already provided me a refund by looking at dispute credit. as we know dispute credit is not refund its just a temporary credit available till that investigation proved. 

So they both ( Apple specalist & GoldmanSach ) in call came to conclusion that I need to drop dispute so Apple can initiate a refund in 60 days, Today ( XX/XX/year> ) I'm still waiting for my money. if I call apple they are saying refund completed from our side call your bank & I'm calling goldmansach they are saying we havent received any refund from apple. I'm getting so confused what to do both are not helping even they are partners in Apple card. I pray XXXX everyday for my refund {$1300.00} its not a small amount to me. Please need some help. 

Order number : XXXX
Product: Student loan

Hello, For over 2 years, I have attempted to work with FedLoan Servicing to apply for the Public Service Loan Forgiveness program. They calculated my qualifying payments and I received notice on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXX required payments. Based on the information, I reached out and requested that I receive a month-by-month breakdown, starting in XXXX, to understand which payments I've made qualified and for the ones that were denied as qualifying, why they were denied. I never received that breakdown. 

I applied for forgiveness again in XXXX. I received notification on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXXXXXX required payments. The new statements showed that there have been XXXX  eligible payments made over the last 10+ years. Of those, XXXX payments have been determined as qualified. That leaves XXXX payments remaining before I reach the XXXX payments needed for the Public Service Loan Forgiveness program. I reached out and requested a breakdown of the XXXX payments that were eligible but determined not qualified, and have not received communication that I would receive that information. Based on last time though, I'm not confident I will ever receive that breakdown. 

Based on the information, my previous employment, and the number of payments I've made over the last several years, I'm confident I qualify for the Public Service Loan Forgiveness program and am not receiving the information I need from FedLoan Servicing to validate this. Any assistance you can provide would be most appreciated.
Product: Mortgage

I have already submitted a complaint. The company replied with the same canned response they have replied to me with for over a year now. They did NOT answer any unresolved questions. They did NOT provide documentation of charges. I contacted them by phone and email to the contact information provided on the reply and to date have NOT received a response. I am filing another complaint for the SAME issue. 

Complaint review : I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one. There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. This is ridiculous. I need help. 

Shellpoint is trying to take the position that they are not attempting to collect a debt to a past bankruptcy. However I am in a repayment plan where they have added these charges to my repayment plan. If I don't comply with the payment plan and pay all of the charges they will foreclose. These charges are not valid. 

They have random legal fees and have told me that I have to contact their attorney to get copies of invoices. Well have you ever attempted to contact someone else 's attorney and get information from their account? That doesn't work! They will not even return calls or provide any information. 

I'm personally being billed for these things and am simply asking for copies of what I'm being asked to pay. They will not provide. That leads me to believe these charges are NOT valid and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and i saw accounts which are not mine. I believe that someone used my personal information to apply for these. I have no agreements or contracts with these companies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of Experian and they state they can not correct the online information which keeps my XXXX XXXX low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX XX/XX/21 {$800.00}
Product: Credit reporting or other personal consumer reports

I submitted a complaint to XXXX XXXX  showing they are reporting late payments on my credit. I provided all my bank statements to show that i paid more than what is asked, and before the payment due date. However, they have reported " no payment or late payment '' i called asking why they are reporting late payments, but they said, " payment rejected ''. If payment is rejected then why haven't : 1 ) the Company emailed, called me and say we apologize sir, but your payment did not go through? 2 ) anytime my payments reject, my bank notifies me either with email or a call saying payment returned. where is the returned money? where is the rejected payment stated on my monthly statement? it does not show because I called the bank and they even said that all my payments went through. So, if my payments went through, why is XXXX XXXX rejecting them? i asked a few lawyers I know, and they told me sometimes companies will scam extra money out by rejecting the payment, then try again after the payment due date so the consumer has to pay late fees. Well, it seems this is what XXXX XXXX is doing because all my bank statements, bank tellers i spoke to all stated all my payments went through, and any time someone rejects the money, I am supposed to get it back, but nothing was returned to me. After making a first complaint, XXXX XXXX returned that they are the ones looking into the matter and OfCourse found nothing wrong. I want an outside source looking into this matter because I have bank statement proof that i paid more than the amount and before due date.
Product: Debt collection

I am filing this complaint against XXXX XXXX represented by Glasser and Glasser PLC, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX  and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. 

Despite my requests for debt validation, XXXX XXXX through Glasser and Glasser PLC, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when XXXX XXXX mentioned it in their response.

In a court filing on XX/XX/XXXX, Glasser and Glasser claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by Glasser and Glasser is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time.

I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by XXXX XXXX  and Glasser and Glasser PLC. The opposition noting the evasion of service is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are fraud this does not belong to me this one is from XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX phone number XXXX and the enclave was XX/XX/XXXX The next one is XXXX XXXX mortgage XXXX F I guess this is Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and the inquiry was XX/XX/XXXX The next XXXX XXXX  XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number inquiry was XX/XX/XXXX Next one is from XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX phone number is XXXX was requested on XX/XX/XXXX Next is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NY XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry what is XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX the inquiry was on XXXX