23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a notification from XXXX is showing that my credit is not going down and it stays at the original amount. I started at {$1500.00}. Can you guys check and see why they keep me pretty much the amount I took out versus the amount I have paid I havent ever made XXXX late payment for some reason they keep reported to the credit company and they keep Lowing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX I have 53 inquires on my transunion file from places and banks and financial institutions, in which I have called and saw I had no account wit these companys no applications nothing, which I have no recognition of any of these inquiries and its doing a displeasure to my credit especially because I did it on the authorize majority of them
Product: Student loan

I am just about at my wits end with XXXX application process. I have hit probably every stone wall barrier to get payment count reviewed. I have yet to obtain a loan transfer to start review of my payments. 

I have direct loans, consolidated in XXXX, paying since XXXX. Currently serviced by XXXX after I was transferred from XXXX to XXXX in XX/XX/XXXX. 

I applied for XXXX XX/XX/XXXX and my application was received via XXXX XXXX My employment ( over XXXX years ) was certified and approved for loans to be transferred back to XXXX XX/XX/XXXX. I received the one and only letter correspondence on XX/XX/XXXX stating I would be moved to XXXX for payment count review for qualifying loan payments. I have had no further progress. 

I was not moved from XXXX to XXXX. I did not receive any further formal communication. I was verbally told via XXXX supervisors that I would be moving to Mohela after XX/XX/XXXX and even told " you likely will be in the first several batches with a XXXX application ''. I was also told I would receive a status letter stating I would be leaving XXXX and moving to Mohela. TO DATE THIS HAS NOT OCCURED. 
I was concerned about the lack of communication and wait time so I contacted Mohela directly and was instructed to reapply through Mohela. 

Mohela received my repeat application on XX/XX/XXXX. 
I was told I would have a XXXX wait to have loans received by Mohela for payment count review. 

Still today XXXX has no notice to move my loans to Mohela for payment count review. 

As of now, I applied 8 months ago without any further review of my payment count status for forgiveness. 

I have been in contact with XXXX Ombudsman, XXXX supervisors, Mohela supervisions and have made numerous formal complaints to the studentaid.gov website. All complaints have been closed with essentially " check studentaid.gov for waittimes and information ''. My last complaint has been unreviewed for 6 weeks. I have also called the Department of Education and XXXX routed back to Mohela. 

Mohela informs me that they " have made the request to transfer loans several weeks ago '' but that there is a communication disconnect with the Department of XXXX? XXXX clearly is not receiving these requests to transfer my loans despite it being over 6 months since approval. 

I am beyond frustrated. Have spent endless hours on the phone and shed too many tears without any progress. 

I am just told to " wait '' yet all the waiting has lead to more waiting and no answered as to why my loans are just being in purgatory without transferring.

I am now told that likely will be 6+ months before I am seeing any sort of possible forgiveness due to wait times. ( 30-60 days to transfer loans + 90 days Mohela to review payment status + DOE to apply waiver and review account + 30-90 days for forgiveness, plus I believe I am in for a refund. ) I just need SOMETHING to happen. Applicants who are applying in XXXX and XXXX are obtained forgiveness letters already and I haven't even been reviewed with a XXXX application. 

HELP! 

Mohela XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$390.00} XXXX XXXX XXXX Balance {$170.00} XXXX FIN XXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$9700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$120.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX FIN ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX DUES ) XXXX Balance {$260.00}
Product: Credit reporting or other personal consumer reports

I am adding additional information to this rebuttal to formally dispute XXXX XXXX XXXXXXXX XXXX continued improper credit reporting. On XX/XX/XXXX, XXXX reported my account as delinquent to credit bureaus, despite their own records showing my account as current. This action constitutes a direct violation of the CARES Act ( 15 U.S.C. 9056 ( c ) ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901-4043 ), and Metro 2 compliance guidelines. 

Key Evidence of XXXX Improper Credit Reporting : 1. XXXX XX/XX/XXXX Statement Contradicts Their XX/XX/XXXX Credit Reporting XXXX reported my loan as delinquent to the credit bureaus on XX/XX/XXXX. 
However, their own XX/XX/XXXX billing statement shows a {$0.00} overdue balance. 
This proves their credit reporting was incorrect, misleading, and non-compliant with industry standards. 
2. XXXX Acknowledged My Forbearance But Retroactively Applied Delinquencies CARES Act Violation The CARES Act mandates that if a borrower was current before forbearance, the loan must continue to be reported as current throughout forbearance. 
XXXX admitted in their CFPB response : While enrolled in the forbearance plan, the loan was reported as current and on a forbearance. 
However, after my forbearance ended, they retroactively reported delinquencies for XXXX XX/XX/XXXX, violating federal protections. 
3. Failure to Investigate & Correct Inaccurate Reporting FCRA Violation ( 15 U.S.C. 1681s-2 ) Under the FCRA, XXXX must ensure credit information is accurate and conduct a proper reinvestigation of disputes. 
Their decision to report delinquencies on XX/XX/XXXX, despite showing my account as current in their own records, proves their reporting is false. 
This also contradicts Metro 2 credit reporting guidelines, which require that accounts in forbearance not be reported as past due. 
4. Failure to Accommodate XXXX Servicemember Status SCRA Violation ( 50 U.S.C. 3901-4043 ) As a XXXX servicemember, I was entitled to protections under SCRA, yet XXXX : Failed to provide clear notice about how my account would be reported. 
Relied on online-only disclosures, despite my limited access while on XXXX XXXX. 
Retroactively applied negative credit reporting despite protections against such financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category,  per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year credit sys 20 accounts XXXX XXXX XXXX $ XXXX XXXX $ iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I submitted a doesnt validation for validity of the debt, I received a letter from leasing a company not from the company that I sent the letter to. They failed to validate the debt that I had with that I entered a legally binding contract with company with my signature. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled her credit report this month and saw a tradeline from Barclays Bank that she is a co applicant on and she does not know where this tradeline came from, nor did she ever give her consent or sign any form of documentation that gives her consent to run her credit or social security number. She is in need of help to remove this foreign tradeline from her credit completely.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : LOANCARE SERVICING C XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customerservice and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress identify you and your account ( Block, Inc. ) due to inadequate customerservice and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actionshave caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See www.Faircreditreportingact.com Also according to Hjr 192 On March 9, 1933 the US Congress passed the Emergency Banking Act. On June 5, 1933 President Roosevelt announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Product: Student loan

When I asked about repayment options while I had XXXX XXXX coming in, including deferment and forbearance -- and I was told that I was ineligible for any other options and I needed to continue to make my monthly payments -- was I, in fact, able to just restate my XXXX income and have a XXXX XXXX monthly payment this entire time? If so, I want a refund for the payments made on my loan since XXXX, totaling {$980.00}. Money is extremely tight, I need to make ends meet, and I sure could have used the other options at the time. 

Attached are my payments history from Navient 's website, and the calculation for the total.
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted Aidvantage-Department of Education to inform them that my loan had been transferred in XX/XX/2023, but they are still reporting an unpaid balance for three of my loans which is negatively impacting my credit score and reporting. On XXXX, I received a notice that Aidvantage- Department of Education is reporting the information as accurate and has failed to make the correction.

Below, I have attached the letter indicating that my loan was transferred to XXXX. Currently, both Aidvantage and XXXX are reporting open loans with balances which has doubled my student loan balance and it not true and accurate.
Product: Debt collection

On XXXX XXXX I was notified by a debt collector 'Security Credit Services '' that I owed a debt to XXXX XXXX XXXX XXXX XXXX program for {$1200.00}. I stated to Security Credit Services that the debt was not right and that I will dispute the information. I sent Security Credit Services a letter informing them that I wanted to see all of the paper work for XXXX XXXX XXXX XXXX that shows the debt. I do not owe XXXX XXXX XXXX XXXX since the terms for them was that they would bill my credit card monthly starting in XXXX. XXXX XXXX XXXX XXXX continued to charge my credit card with the last payment being on XXXX XXXX. I did not tell XXXX XXXX XXXX XXXX to stop taking payments, nor did I cancel the contract. From my credit card statements XXXX XXXX XXXX XXXX received XXXX a month from me starting with the down payment in XXXX for a washer and dryer that cost a total {$1200.00} with tax. The next payment was made 2 weeks later then monthly after. The total amount that XXXX XXXX XXXX XXXX received by XXXX from my credit card was {$1900.00} If I owed more money I do not know why after the XXXX XXXX payment was made that two weeks later a credit collection company contacted me. Security Credit Services violated my rights when they reported this debt with the Credit Bureau with out proving the debt was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know this account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XX/XX/2019 - {$780.00} Closed XX/XX/XXXX Reported : XX/XX/XXXX. XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of labor XXXX  The information listed below which appears on my credit report is the result of XXXX  COMPANY NAME XXXX XXXX Acct DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY XXXX XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX Company Name XXXX Acct XXXX Date Opened XX/XX/XXXX Company XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX