23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ten years ago, I started paying my direct federal student loans ( both subsidized and unsubsidized ) under the income-based repayment plan, as required by the terms of the Public Service Loan Forgiveness program. At this point I worked for a not for profit organization, after graduating from medical school with {$200000.00} in student loans. 

Two years ago, I realized that my payment count towards the PSLF for the subsidized loans were different than the PSLF payment count unsubsidized loans. This seemed odd because all payments made in years prior were always split between unsubsidized and subsidized loans, so how could the tally be different. 

At this point, XX/XX/XXXX, I filed paperwork to have this information reviewed. It is XX/XX/XXXX, and after a dozen phone calls over that time period I have yet to have an answer. I am at just about at 10 years and need to file my loan forgiveness application. Each time customer service says the same thing. 

Im getting tired of not being able to get answers so I can take care of whatever needs to be done to get this loan reviewed. We waited to have a family and have put off other plans trying to wait for this to resolve. The unknown makes it hard to plan major life decisions. 

Please help.
Product: Student loan

In XXXX I was contacted by Sallie Mae, asking to make a large payment on my student loan. Which I did of about {$5000.00}. COVID hit shortly after and I wasnt receiving calls or even mail from Sallie Mae. In XXXX I had to file bankruptcy XXXX  XXXX, successfully discharged me. I noticed on my credit report my Sallie Mae loan showed closed with a {$0.00} balance owed. I at this point wasnt receiving any contact from anyone about this loan, I assumed it had been discharged in my bankruptcy. Fast forward XXXX I was sent a letter that I was being sued by a collections agency that had brought my Sallie Mae loan. I had no knowledge of this what so ever until I was already being sued. I am struggling at this point to find options to help me with this. I do believe this wasnt done right and really just seems legal. I even tried working with the collection agency who wouldnt even tried to hear me out or lower the payment to something reasonable. The agency is requiring a monthly payment of {$1100.00} a month after I told them I wasnt working from XXXX of XXXX until the beginning of XXXX. I also asked for that payment to be lower to about {$300.00} a month and it was simply rejected. I was told if I couldnt pay the {$1100.00} unfortunately the law suit would be continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report. 

3. I have a total of 4 wrongful inquiries on my credit report. 
-Amex XXXX -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX
Product: Checking or savings account

I have given money to clear XXXX XXXX  who then stored it with XXXX XXXX and they provided no service and agree to pay me back. However when they agreed to pay me back I had called chase had them dispute {$1000.00}. So the. XXXX XXXX returned the money they had minus this XXXX and then chase decided to give the money back to them. But XXXX XXXX claims they could not accept the money again. They say that chase is holding onto it. Now I am late paying my rent, and my account is insanely negative. They claim to be investing but what is there to investigate? You can look at my account and see they tried to give the money back. I dont get why everyone wants to play games with my money. Its fraud and a scam.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I'm very disappointed in how my rights have been violated by this company. I've sent out numerous letters to resolve this issue and recently sent another letter that they never responded to as well.
Product: Credit reporting or other personal consumer reports

I found errors in my personal information on my report that need correction. The report shows an incorrect name, address, and date of birth that do not match my records. This could lead to confusion or impact my credit or other evaluations. I have attached documents to verify my correct information, including my ID and proof of address, to help resolve the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Product: Money transfer, virtual currency, or money service

I explained in the last XXXX complaints I submitted. 
The company DID NOT RESPOND!!! 
They CLAIMED they could NOT assist me because they were NOT able to pull up my verification. The reason they could not pull up my verification is because they fraudulently closed my account.
Product: Credit card or prepaid card

I onderdeed a part for my car from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX on XXXX XXXX, 2022. Their policy states that it takes up to 10 business days to receive the part refer here XXXX XXXX XXXXshipping However, it took until XXXX XXXX for my Mechanic XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX to receive it. I had to call the vendor up to 10 times to make sure they were going to send it and got numerous excuses from them. Upon working with the transmission, the mechanics had determined that the item ( sent to him directly ) turned out to be defective. He said he was going to file a dispute with XXXX XXXX XXXX. The vendor said I would have to contact them directly. 

I contacted the XXXX XXXX XXXX regarding the dispute and they gave me two options : refund or replacement. I chose the replacement option and was told that they already have the part in stock and that they will send it through their quality assurance department and will send it in 1 week. That was on XX/XX/2022. So that would take us to XX/XX/XXXX for shipping out date. They took me through the same conversation that it will be sent 3-4 days plus up to 10 business days for delivery based on company 's policy. I spoke with the person named XXXX  who actually never finished the conversation and hung up in the middle of it. It has been 26 business day since then and the vendor has not beer returning my phone calls.

Since I have not been able to get ahold of the vendor and have not had a single update, I decided to flag this transaction with my Chase Credit card. I reached out to them XX/XX/XXXX to explain the situation. The rep told me to go back to the vendor since they do have a 5 year return policy. I explained that I couldn't get ahold of the vendor but was told that the issue is completely on me and they can't help me get the money back. 

Today, I have received an electronic communication from Chase stating that my request for investigation is denied stating the purchase did not meet the return policy guidelines. Which is incorrect since the return policy is in fact 5 years AND the vendor themselves had agreed that they would issue a new part due to the defect. You can see the policy here XXXX XXXX XXXX  The Chase XXXX XXXXXXXX never asked me to submit any type of proof of what happened or any paperwork describing the vendor 's policy. They simply rejected the claim without any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXr Account # 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

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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX has violated my rights. Or 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: Debt collection

I am a victim of identity theft. my information has been used to open fraudulent accounts under my name. Discover financial being one of those accounts. I contacted both the company and the credit bureaus about this issue and they refused to close and remove the account from my credit report. They also continue to try and collect the debt accumulated from this account which i do not owe.
Product: Money transfer, virtual currency, or money service

I'm filing a complain against cashapp ( block inc ) for inadequate customer service and un fair practices. Which violate the consumer financial protection act.
Product: Debt collection

I get phone calls from multiple numbers from Nationwide Credit corporation. Typical numbers are XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. This debt collection agency got my cell phone number somehow and claims I owe money, which I do not. All of my bills and cards are all paid in full and have been for years. I believe this agency got my number from a hospital in XXXX XXXX  that accidentally called my number to confirm appointments for a patient ( which is no way related to me ) over a year ago. I received numerous calls back then. I informed the hospital that it was the wrong number for that patient and the calls stopped. Now, I get these debt collection calls. I feel like I can sue for this harassment from them.
Product: Credit reporting or other personal consumer reports

After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed Experian a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me.
Product: Payday loan

I received a loan from LoanMe of {$3000.00} they took out {$490.00} the first month and {$360.00} the second month ( XX/XX/2016 ). I contacted them to let them know that I would like for them to lower my payments because I am experiencing financial difficulties, they have refused to work with me. I was told that they will not accept my comprise and wants me to pay back this loan. It 's their way or no way at all. I suggested lowing the payment, I was told that was not acceptable. They have refused any payments I have suggested and tried to make because it was not the {$360.00} they wanted.
Product: Money transfer, virtual currency, or money service

I was robbed and my identity was stolen by someone who sent transactions to a person named XXXX XXXX ( CASHAPP TAG : $ XXXX ). When I made a police report and told cashapp, they would not allow me to request a refund I had to look online and see how to make this report, and what words to use so that they would allow me to file a dispute
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report, as they were fraudulently opened or initiated without my authorization following a data breach. My request is made under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require credit reporting agencies to take immediate action in cases of identity theft. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

Mr. XXXX XXXX telephoned me on Friday, XX/XX/XXXX at three locations, work, my mobile and my husbands mobile number within a 30 minute time frame ( Note having never previously received any mail regular or certified mail ). Mr. XXXX left me a voice mail at my place of employment at XXXX asking me to contact him at my earliest convenience and continued to call me until I returned his call. ( at total of 8 times ). Upon our 2nd call he advised me that I owed money for services to a medical doctor that had I filed a DORA complaint for malpractice to my XXXX that I've now got damage to my XXXX which he's lost his medical license ( not related to this incident ). My complaint is that Mr. XXXX has advised me my medical debt is going to be placed on my husband 's credit. He was hateful, demanding and unprofessional. I asked for payments and his snide unprofessional comment was " We aren't going to accept {$10.00} a month '' I asked for a settlement even though I don't feel services were rendered for a doctor who caused damage to my XXXX and Mr. XXXX said get a lawyer and sue the doctor. Services were rendered at the time. Mr. XXXX is ready to serve me with a lawsuit and I'm fearful and now having serve anxiety of my husbands credit being ruined. Please help.
Product: Credit reporting or other personal consumer reports

Reinvestigation, validation, and cease retaliation ... Im asking the reason for re polluting of my consumer/credit and why they continue. Violations of XXXX and XXXX exist as follows : section XXXX ( a ) ( XXXX ), XXXX XXXX ( a ) ( XXXX ) ; section XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( b ) ( XXXX ). SECTION XXXX ( b ) XXXX XXXX XXXX ( h ). The Company was previously deleted and should be because of the numerous XXXX and XXXX violations. They allege a charge off and this should be rectified and is not information alloted to be furnished on a consumer/credit profile/report. Along with the latter named violations I as the Federally protected consumer deserve for my personal private and pertanent information to be handled with care and in strict regard to the laws that protect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with missed payments. CAPITAL ONE BANK USA NA XXXX. I paid this account and do not owe anything, but the mark in the report prevents me from achieving the desired results. I am kindly requesting your company to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, XXXX opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXXXXXX, opened XXXX XX/XX/XXXX, # XXXX, an installment account at XXXX XXXX XXXX, opened XXXX XX/XX/XXXX, # XXXX, and a unknown account at XXXX  XXXX XXXX XXXX  opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.