23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I submitted an XXXX XXXX XXXX ( XXXX ) application for my federal student loans through the studentaid.gov website. My loan servicer, Aidvantage, confirmed receipt of my application on XX/XX/XXXX. They asked me to provide my income information on XX/XX/XXXX, which I did on XX/XX/XXXX. Aidvantage confirmed receipt of my income documents on XX/XX/XXXX. I graduated from California XXXX XXXX XXXX XXXX in XXXX of XXXX. 

I received no further messages or correspondence of any kind from Aidvantage until XX/XX/XXXX, nearly XXXX ( XXXX ) months later. On XX/XX/XXXX, Aidvantage sent me a letter stating that I had a first payment of {$2400.00} due on XX/XX/XXXX. I immediately reached out to Aidvantage since my income for fiscal year XXXX was only {$21000.00}, to find out how they calculated my monthly payment. 

At that time, I was told that I had selected the " help '' option when I applied, when I fact I selected the Saving on a Valuable Education ( XXXX ) plan. Aidvantage then told me that my XXXX application was not processed due to my loans being in a grace period since I had just graduated in XXXX of XXXX. I asked for Aidvantage to provide me with a copy of my original IDR application since I am unable to download it and get a " XXXX page not found error '' when I click on the link to try and download my original IDR application. 

Aidvantage still has not provided me with my original IDR application that I submitted on XX/XX/XXXX, and is now claiming as of XX/XX/XXXX that my IDR application was denied because " it was submitted through studentaid.gov '' without providing any information as to how a new XXXX application can be submitted through Aidvantage 's website so that it will not be denied. 

Best regards, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

There were multiple charges from " XXXX '' on the Chase MasterCard ( which Chase converted to a Visa card  despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. Additional documentation can be provided upon request. A fair resolution of this complaint would be to credit the {$1900.00} in disputed transactions + Interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}
Product: Mortgage

My mortgage loan is serviced with Loancare. I have been with them since XX/XX/XXXX. I have been watching my escrow balance since XX/XX/XXXX to make sure my property taxes were being paid. Called once to find out who pays the difference because my tax bill came in higher than I had escrowed for. After spending 20-30 minutes on hold, I hung up and decided to wait and check back in. Logged in and checked my account on XX/XX/XXXX and my escrow balance had not gone down at all indicating my taxes had not been paid in XXXX. Started calling and no one in the escrow dept can tell me why they weren't paid or when they will be paid. Today is the last day they can be paid without penalties and I am currently on hold with the company to listen to them tell me they are " escalating '' this. I have been told this since XX/XX/XXXX and today is the 6th time I am calling on this matter. I am now 39 minutes into the phone call, just placed on my 3rd hold because the escalation person I am now speaking with is going to move it up to a 2nd level escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX Bankruptcy XXXX XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX  XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Debt collection

IC System - XXXX- is reporting on credit and attempting to collect a debt that I do not owe. For one they just put it on my credit report without notifying me. But it is for a XXXX bill which is not valid. XXXX was paid already and this debt is erroneous and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed I am facing a considerable identity thief attack and it is getting worse day by day. The situation reached its point when I cant leave the problem by its own flow and disregard it. My main reason for appealing to you is cooperation with me to cease the muddy business of frauds, because not only is my credit history at risk, but also lenders would be involved. Losing creditors ' trust is the least thing I wish for myself. Fortunately, they couldnt obtain a credit line yet, however their impact was made and I can see their consequence on my credit report as their inquiries. 

Please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I ordered XXXX in the amount of {$63.00} on XX/XX/XXXX. I did not receive my food at all. I was given someone elses XXXX takeout when I had ordered burgers and whatnot from this restaurant called XXXX I reached out to XXXX to see if I could get a refund or a redelivery this time of the right food but they refused they told me there was nothing they could do. I am very upset seeing as though I spent a little over XXXX $ plus a tip for a meal for my family but ended up getting something I didnt even order.
Product: Credit reporting, credit repair services, or other personal consumer reports

called Target card services end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. Target refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lower my score by 79 points with no reason. 
Transunion lower my credit score by 73 points with no reason.
Product: Payday loan, title loan, personal loan, or advance loan

Have a payday loan from this place. Ran into a lot of financial trouble. They continue to threaten me. Ive already made payment arrangements and they are still threatening to garnish my wages. I need help
Product: Credit card or prepaid card

It says I was approved for a credit card and when I put application for one it denied me so Im confused why I was told I was accepted when it was a lie. That is false advertisement
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$420.00} does not correspond to the lower amount that I remember. I request Experian to revise the XXXX XXXX information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask Experian to mark this account as disputed to prevent further negative impact on my credit score. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM XXXX XXXX > XXXX : 2 HARD CREDIT CHECKS I DID NOT AUTHORIZE FORM BANKS I DONT USE! 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

They closed my account. Because I had fraud charges on it. 
They put my account into the negative and said I owed for charges I didnt make. 
I had {$1000.00} transferred to my account today. And now I cant access it. And I had {$100.00} in my savings account. That is all the money I have, and now I cant even log into my account. Because my card numbers were stolen. 
They also approved half of my disputed with XXXX XXXX. That I disputed on the same day! When I questioned them about it.. they couldnt explain why half of them were approved and the other half wasnt. So, they close my account? This is so unfair. Im a single parent and that is all the money I have. I have {$10.00} to my name. And now Ive been on the phone with them for 15 mins and the system wont connect me to someone. Or let me chat with someone. This is awful.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX XXXX XXXX # XXXX ( Charged off ) -- XXXX XXXX # XXXX ( late payment ) -- XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXXXXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Product: Debt collection

for the past 4 months this caller has been calling me to collect a debt, we agreed upon a monthly payment plan and i have continued to do so. This caller keeps harassing me during work hours and at nights requesting that the debt be paid in full. I received a letter from them and agreed with the written monthly repayment plan, i shouldn't continuously be called and harassed to make a payment in full when i am on a balance repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans were forgiven under XXXX effective XX/XX/year>. Upon forgiveness, the loans fell off my credit report and stated paid in full. I noticed today that the loans have reappeared on my credit report. XXXX is/was the loan provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. Equifax dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I received a notification that a collection was sent to my credit report, when I checked my report I saw a collection for Professional Debt Mediation for {$3200.00} from XXXX XXXX XXXX I immediately contacted the apartments to find out about the debt because I once leaves there but moved in XXXX of XXXX I was told that they were under new ownership and that they didn't have any files that far back.. They gave me the old owners information and I made contact with them and was told that they didn't have any paperwork from the apartments because it was turned over to the new owners.. Of course no one could tell me anything.. I called XXXX XXXX to do a follow up dispute still no resolution... I moved into XXXX XXXX XXXX in XXXX of XXXX on a XXXX program through XXXX XXXX XXXX XXXX XXXX 's Section XXXX Program, in XXXX of XXXX there was an incident that happened in which I decided to move out but not before contacting the office and the Section XXXX XXXX XXXX rent was already paid, I had not signed a new lease yet.. Everything was moved out and apartment cleaned before the end of the XXXX In XXXX I received a letter to my forwarded address stating that I owed the apartments {$24.00} for the use of their utilities so I called and in informed them that it was impossible because I forgot to get my own utilities turned off and they weren't off in my name until XX/XX/XXXX and I followed it up with a letter from the utility company and was told to disregard the letter after they received the fax.. The program I was on was a federal program and in order to move you have to have clear balances, no damages, etc or you will lose the assistance.. I make contact with the Section XXXX office today to see if there was anything that they were aware of and just as I already knew the apartments gave me a full clearance, a XXXX balance, etc so being that they were the ones that paid the majority of the rental payments why were they not notified and why would they give me a letter of clearance to move somewhere else.. I am no longer on the program because I gave it up to move back home to care for my ill mother but had I not given it up I would still be able to participate in the program.. I haven't been able to even see what it is that they say I owe from them or Professional Debt Mediation because they are trying to get me to pay for it.. Please contact the XXXX and they can back me on this because this is not my debt..