23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear CFPB, I have had a student loan of XXXX with AES the past several years. Last year I/ we set up a payment agreement over 160 months starting at approx. $ XXXX, the six months later approx $ XXXX and the six months later approx. {$230.00}, etc. A graduated payment plan. 
Well two weeks ago, I received a letter from the stating I have a new payment plan which would start this XXXX. This included {$220.00} for the $ XXXX loan and another {$65.00} for the $ XXXX loan! 
That amounts to almost {$300.00} dollars a month! I am XXXX y o, XXXX  and just filed bankruptcy which was XXXX in XX/XX/XXXX. 
I had a legally binding contract with them last year and now they tell me I have a new higher plan without even contacting me??? They then sent me a letter last week asking me how I felt about this new payment plan. Well I feel its XXXX!! I believe what they are attempting to do is illegal! 
Please help me resolve this matter. Some of the practices by these XXXXtudent Loan companies are ridiculous! 
Thank you, XXXX XXXX XXXX XXXX, CT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX  ), you may be liable for your willful noncompliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXd XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.
Product: Debt collection

I keep receiving e-mails from Resurgent capital services. I requested a debt validation, cease and desist and correspondence via mail only. I also requested a purchase agreement showing proof that the company can collect the alleged debt. They have ignored my email and keep on sending me emails.
Product: Debt collection

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been sent to XXXX XXXX ( XXXX ) asking them to verify the inquiry that was placed on my credit back on XX/XX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
XXXX XXXX ( XXXX ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. XXXX XXXX response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.
Product: Checking or savings account

Multiple fraudulent accounts have been reported to PNC Bank. They state account closure and confirm reporting of fraud. But account remains open, reaching out to the business does nothing to resolve this issue. False promises and the company allowing account creation without basic identity or credit verification.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Debt collection

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Checking or savings account

My bank account was drained via fraud for ticket master tickets, it was very obviously not me that made the purchase, they are telling me that it's going to be between XXXX and XXXX XXXX XXXX before they do anything. The problem with this is, that was almost every single dollar I had and it's already causing extreme hardship on my end, I simply can not wait potentially XXXX XXXX for this to be " maybe '' resolved. Neither my landlord nor any other bills I have care about these issues, The police are already involved and I don't know what to do, but this is a beurecratic nightmare that is really close to ruining my life. Sitting around and waiting and hoping is under absolutely not an option for me under any circumstances.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. XXXX, EXPERIAN and XXXX have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. EXPERIAN, XXXX and XXXX are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}
Product: Debt collection

This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.
Product: Credit card

I took my XXXX  for a XXXX on XX/XX/XXXX and was billed on the XXXX for the same amounted I was charged on the XXXX by XXXX XXXX XXXX, on my Capital One QuickSilver Card. 
I have tried disputing this multiple times with more than enough information, and they have denied me. 
Capital One was the one who told me to hold off on opening a dispute until I contacted the merchant. 
Thats what I did for months even showing them proof of my contact and no response from the merchant They want to reapply the charge of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX  & XXXX & 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 am and have been a victim of identity theft which you will see in my report XXXX 


15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Credit card or prepaid card

I have previously reported card as fraud that showed up on my credit report. As previously stated she used my name and credit to get the and the bill sent to her mailing address and I recently discovered this. I have called Elan twice and told them I didn't even know what the credit card number is I told them my mailing address and they admitted it was not same what they had. They told me I would not responsible for this but yet they have send me a bill for over {$14000.00}. Hope you can help me this. 

XXXX XXXX XXXX XXXX : I have attached a copy of the police report I filed. I actually met with the detective today.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/2019
Product: Credit reporting or other personal consumer reports

This account was incorrect date of open. Since then, the account has reported inaccurate date open to all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I asked you to do it Twice and your neglect has violated my right. I am requesting this account to be deleted the following account : XXXX Account XXXX
Product: Mortgage

Im waiting on approval for the sale of my current home while, I 'm packed up, have utilities already transferred, already spent {$3500.00} in repairs to this home, the buyer had been approved twice and it 's stuck in underwriting. I 'm without cable, been eating out since everything is boxed and my life is upside down. I 've even changed my address. The owners of the home I 'm purchasing are also waiting for this to be resolved. They keep asking for documentation from 2006, now it 's being held up for an addmendment on a child support agreement. His lawyer confirmed its legal. His ex-wife even Confirmed the agreement. Everytime they ask for a piece of documentation they get 48-72 hours to review to give a final decision. Our closing should have happened on XXXX XXXX, movers had to be rescheduled over and over, re-scheduled vacation, dog boarding and other plans had the be halted. There 's no protection for home buyers or sellers. An approval letter should mean approved but that letter, nor the XXXX approval means anything. Underwriters are putting families at risk, holding up our lives, affecting are health by stress that is not nessesary. Why should n't they have to do this work up front? There 's got to be some type of law that protects families from Going through this chaos, of waiting and waiting. I feel its neglect, and home buyers and sellers suffer because of the process that underwriters are given to undertake. They are neglecting time frames, questioning documentation that they are not trained to question. I can tell you if you dig deep enough you will find bad in everyone. No one is perfect and the digging and investigation has to stop somewhere. It 's as if the Mortgage Industry, IRS, and the FBI have merged together to create a process that does n't work.
Product: Mortgage

I have suffered with the XXXX Virus 2 times. XX/XX/XXXX and again recently XX/XX/XXXX after taking the XXXX XXXX XXXX. BSI Has refused to offer mortgage assistance or a forbearance to me so I can keep my home from foreclosing. Received foreclosure letter from foreclosure attorney dated XX/XX/XXXX but received it in the mail. XX/XX/XXXX, XXXX.The Tennessee law states I was to receive 30 day notice prior to the foreclosure sale of which it is only a few days prior to the sale date. I was affected by XXXX and we have been under a foreclosure moratorium since XXXX of XXXX. BSI customer service is rude, unwilling to help homeowners and they disregard federal laws moving forward with foreclosing on homes. I'm a elderly woman who has filed bankruptcy several times to keep my house from foreclosing and keep a roof over my head. I have requested mortgage assistance several time, BSI will not work with me. I Need Help
Product: Checking or savings account

The company, US Bank. XXXX XXXX did not close my account, and continues to drain my funds funds deposited after closing, by deducting a {$24.00} Monthly Maintenance Fee. I have tried to close my account officially, but the U.S. Bank invented a ruse that my Social Security Card that I used at closing my account was fake!!! The U.S. Bank, then- for a second time- but I was told my documents -my social security card was fake, That claim was false. Since then, the U.S. Bank keeps the account open, and drain the balance by with a {$24.00} for insufficient balance. My latest statement from U.S. Bank dated XX/XX/2022, shows a XXXX balance which U.S. Bank certainly had put on its revenge plan against me - for closing my account. And it can do this with impunity because Banks contribute a lot of money to many candidates for Attorney Generals Elections in every state, and Attorney General 's staff in many cases give them a pass, and hope they will double their contribution in their next election. I have seen too many such cases in my 22 years of teaching political sciences, I am retired now, but I know that political corruption never retires! I have published many anti-corruption articles during my 22 years of teaching -many still showing online under my name.. As a Greek national at birth, I grew up espousing XXXX 's virtues of honesty. and practice of what I teach. I have many comments on internet on honesty, wisdom and anything global and human! My advice to young readers? Be honest in life. It would give you a sense of pride - because you have earned! XXXX XXXX, retired professor
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.
Product: Student loan

I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

My identity was stolen in XX/XX/2016 and as a result, there is an address on my credit report that has never belonged to me. I would like to get this address removed from my credit report : XXXX, KS XXXX
Product: Credit card or prepaid card

As part of the global pandemic, my hours were cut in half. In response to that development, I began contacting creditors to ask for assistance. Capital One has prominently featured on their webpage that they will offer COVID assistance. I called and the automated voice informed me that the wait was 30 minutes. So, after a few more attempts to speak to a human, I wrote a letter. I received a letter in response telling me to call. I called and spoke to a representative who said she would defer XXXX and to call back in XXXX if things had not improved and they would defer XXXX. On XX/XX/XXXX, I logged into my account to prepare for the phone call, I was surprised to see a hefty interest charge, a late fee and my account was flagged as overdue. I called and got a representative who was difficult to communicate with and she informed me that they could not go back and remove the past due amount. She admitted that she saw I called but she could not help. She said they would not lower the interest rate. She also told me if I paid XXXX 's payment today - GOOD NEWS! they would remove the late fee. She told me that the account was going to be flagged as past due and she was sorry but there was nothing she could do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, particularly the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

This company has this debt showing on my credit report way past the 7 year mark and they need to remove it.