23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

PHEAA is the holder of some of my student loans. The loan is in default, and I contacted them to try and enter into a repayment plan. 

They informed me that they could not talk with me about a repayment plan because there was a hold due to a Defense to repayment claim. PHEAA informed me that I would have to have that claim removed through the department of education. 

When I contacted the department of education, they informed me that even if there was a defense of repayment case open, that would not stop PHEAA from working out a repayment plan. Department of Education had me contact the XXXX XXXX XXXX. The XXXX informed me that there was no open case with them. 

I contacted PHEAA with that information, and they said they could do nothing to set up a payment plan till the hold was released ( there is no hold ). 

All I want to do is set up a repayment plan to get my student loan out of default, and PHEAA will not allow that to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 
I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. 
The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your help to correct the accounts : 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

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this items immediately re-investigated. The inaccuracies are highly injurious to my Credit Score. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX/ Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX/Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX
Product: Credit reporting

I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Product: Debt collection

I received a letter from American Coradius, LLC regarding an attempt to collect a debt from XXXX. I called the agency but they could not give me any information. I called XXXX and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.
Product: Debt collection

I HAVE NEVER HAD THIS ACCOUNT. THIS NOTIFICATION I RECEIVED IS THIS FIRST TIME I'VE EVER HEARD OF THIS DEBT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests to obtain debt repayment contracts from NCB Management Services Inc . They have not provided me with a SIGNED and dated contract between myself and NCB Management Services. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return  fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.
Product: Debt collection

Freedom Mortgage Corporation is trying to collect payments from an alledge debt. 
We sent a Debt Validation letter with exhibits back in XX/XX/2021 via USPS Certified mail, but the Debt Validation letter was never answered. i have the tracking confirmation that confirms that Freedom Mortgage Corporation received the mail on XX/XX/2021 at XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase unexpectedly sold XXXX dollars worth of my XXXX without notice or warning. The money is no where to be found and the support team has not resolved my case and it's been almost a 3 weeks. I did not authorized a sell transaction and there was no confirmation that this happened. Simply the funds are gone and I have no access to them. Please help
Product: Student loan

There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was AES and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX AES/NCT was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by Nation Collegiate Student Trust XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. AES claims they have nothing to do with these accounts since they wrote them off XX/XX/XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. AES has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the NCT loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent AES letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the AES/Charter ( citizens ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to AES they absolutely refuse to report these accounts as settled in full. AES says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the AES/NCT. As i said AES did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and AES and the credit agencies refuse to correct this. Your our last resort. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry date XXXX Jpmcb XXXX Inquiry date XX/XX/2021 Somebody used my information to inquiry about a credit card and appeared on my hard inquires i want to get this removed from my credit report hard inquiries. After talking to the credit company itself they found no further information on the matter therefore they told me to write to you guys
Product: Money transfer, virtual currency, or money service

i usedXX/XX/XXXX and sent money to wrong person and didnt get money back multiple times.
Product: Credit card or prepaid card

I am having people hack into my accounts changing passwords and forcing me to use the cell phone or telephone to do all my banking. XXXX  XXXX is blocking my online access, XXXX  XXXX  has had passwords changed, and so has Discover. 

I believe my Internet was hacked at my apartment Uncommon XXXX  in XXXX Alabama, I believe its possible that the real estate trust that owns the apartment complex is using it as a data farm and is engaging in illegal activity as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered inaccurate information on my credit report and submitted documentation such as Notice of identity theft, a letter according to the FCRA SECTION 609, preliminary lawsuit as well as a FTC report. There are items on my report that I have not authorized/ and or consented to that must be removed. Transunion responded with a letter stating they will NOT block the information because they believe it to be accurate, which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
XXXX  Account ( Date Opened : XX/XX/XXXXXXXX  ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXXXXXX Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX. This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had an investors XXXX  checking account they closed the bank went out of business and trasntioned to citizens I never got my funds from investors I need my money back and they are closed
Product: Credit card or prepaid card

I made an order with my card online with a company. The purchase was terribly handled. Wrong products, wrong address, box was left in rain. I immediately demanded a refund the day upon receipt ; but the vendor never responded. I filed a dispute with my credit card at CapitalOne. It took CapitalOne two months to respond to my complaint. When they finally did, they vaguely denied it with a line item suggesting I had not requested a refund and demanded I fax proof ( there was no way to email or speak to anyone ). 

I did as instructed and emailed attached evidence that I demanded a refund via the company 's officially designated support line and within the company 's terms ( provided to CapitalOne ). In less than 4 hours of faxing, CapitalOne responded that I did not provide " proper evidence '' ( without specifying what or was not sufficient ) and told me that my claim was considered closed, my card would be billed the balance and to " work it out with the merchant ''.
Product: Credit reporting or other personal consumer reports

I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in XXXX in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, 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
Product: Credit card or prepaid card

Never missed a payment and CHASE BANK took away XXXX air miles worth about {$4000.00} to {$5000.00} dollars. To help from anybody, they just don't care. 

Sent letter with all information to Chase Bank, XXXX XXXX ; CEO - XXXX XXXX, Board of Directors XXXX XXXX XXXX, Board of Directors XXXX XXXX - Customer service Manager
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX. Account number XXXX. I have made numerous contacts to both credit card company and credit bureaus.
Product: Credit reporting or other personal consumer reports

I have received late payment on my account and I was never late. I am attaching the screenshots of my payments to show that I was never late. Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.
Product: Checking or savings account

Bank of America used funds from my checking account to offset a charged off business credit card. 

The first instance happened in XX/XX/XXXX, where they deducted about {$590.00} from my account and sent me a letter explaining what they had done. However, that transaction is not showing on my account statement. I was on the phone with the bank for over an hour and they claimed to not find the transaction. They should have a copy of the letter they sent to me. 

The second time was on XX/XX/XXXX for the sum of {$96.00} The third time was XX/XX/XXXX for the sum of XXXX This last sums that was deducted on XX/XX/XXXX was from my school refund which Im ordered to pay back for this school year. I have not had any income since XX/XX/XXXX and have been struggling to make ends meet. This is a big financial for me and I would like it fixed.
Product: Debt collection

N accordance with the Fair Credit reporting Act Account XXXX XXXX  # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my w
ritten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}
Product: Mortgage

I got recent modification ( XXXX/XXXX/2015 ) for my mortgage from OCWEN SERVICES for my house located at XXXX XXXX XXXX, XXXX, Tx. XXXX. OCWEN are adding something to the principal and I think is too much money added. Can you please help me to clarify with them what kind charges in addition to this mortgage loan. 

Thanks XXXX XXXX
Product: Debt collection

on XX/XX/XXXX, i opened a complaint Case number : XXXX in this i showed that stanislaus credit control had deleted and reinserted XXXX collections without sending the proper reinsertion notice within XXXX days ( which is required by law ). the response i recieved on Case number : XXXX was that they were going to look into this. It clearly has been more than XXXX days, and yet XXXX of the claims is still illegally on my credit reports for {$220.00}. stanislaus credit control has broken the law by deleting and reinserting these accounts mutliple times ( i have proof of this ) not sending a reinsertion letter. i recieved a copy of XXXX bills from this company that did not validate any debt as it was a copy of XXXX bills .... both without signatures and broke hippa as the line that shows that it was ok toreleased info to process the claim was blank. i will be seeking legal remedies if this is not resolved immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to XXXX regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. OnXX/XX/XXXX I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.