23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my XXXX XXXX XXXX XXXX that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX, XXXX, etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my UTMA account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

I have noticed for several months that Experian has inaccurate personal information on my credit profile. 
Specifically, the address. 

My only address is : XXXX XXXX XXXX XXXX, WV XXXX Accordingly, the additional addresses list on my profile are inaccurate and are undeliverable to me by the US Postal Service. Per my rights under the FCRA, they are inaccurate and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..
Product: Credit reporting or other personal consumer reports

Due to the XXXX XXXX XXXX XXXX in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.
Product: Debt collection

What Happened : On XX/XX/XXXX, an account with Genesis Credit Management LLC, which currently shows an open balance of {$3300.00}. As of XX/XX/XXXX, the account has been placed for collection. However, I dispute the account information, as indicated in the records. I believe the account status and details may not accurately reflect the actual situation, and I would like to have this resolved. 

Actions Taken : I have disputed the account information. 
The account remains open with a collection status.
Product: Credit card or prepaid card

I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.
Product: Debt collection

This is a follow up to initial complaint # XXXX. The company ( Shellpoint Mortgage ) provided a letter to me, my attorney, Consumer Financial Protection Bureau and the XXXX XXXX XXXX The letter states they will release the 2nd lien mortgage and discharge it. The attorney has asked several times for proof of the copy of the paperwork preparing the discharge. We have not received anything from them. This makes us a bit suspicious and question if they actually prepared to file the discharge release of the lien. The attorney 's firm said they can go to court if the matter isn't resolved. This will surely hold up in court on our side since they provided a letter ( on their company letter head ). It is in writing. Can the CFPB perhaps investigate as to why we have not received proof of the release/discharge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was a fraudulent transaction on my account while I was in the hospital I it was numerous Charges while I was in the get medical attention notified the card company in XX/XX/XXXXin XXXX Would like some done about this issue XXXX to XXXX the person spent XXXX
Product: Debt collection

I received a debt collection letter from Credit Collection Services stating that I owe {$210.00} to XXXX XXXX ; however, Credit Collection Services never provided documentation stating that I owe them
Product: Payday loan

The Bank of America is conspiring with the lenders who only tell lies in Exchange for my XXXX money ( checks ) and my XXXX XXXX money ( checks ). I never applied for a loan ( s ) of any kind.
Product: Vehicle loan or lease

PLEASE SEE ATTACHED AFFADAVIT AND SUPPORTING DOCUMENTS
Product: Debt collection

I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today,XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with XXXX XXXX. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : XXXX XXXX Total Balance : {$1200.00}
Product: Bank account or service

I applied for auto loan with US Bank and they relied on XXXX Credit report to denie me credit. I requested a copy of my credit report from XXXX refused to give it to me.
Product: Money transfer, virtual currency, or money service

I have tried in the past with Experion and I see that it has XXXX came back up recently multiple people are using my identity for different reasons I dont know what else to do I will place it in some type of mental game called a XXXX XXXX. This performed by XXXX XXXX XXXX star sororities and fraternities and other organizations to be scared into letting other people use me and my identity I dont know what else to do really I need somebody to help me. I have lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past two years and I also have a pass police report of me filing charges on my oldest sister for identity false pretense but they did not gone proceed with the charges I did not get any answers or anything they are within the same organization and they turned on me. I will contact the local authorities again and the FBI this time doing a fingerprint identity analysis I have never worked at XXXX I think somebody had put my name on some type of pay out a cashiers check or something or insurance fraud a long time ago and they are drawing this money. I have my membership ID number from Experion I also I just booted the address is in the false names that was given I am not XXXX I do not know any other addresses except for three of them and the rest of them are fraudulent and I do want to pursue with the charges on every last one.
Product: Mortgage

We refinanced our home with First Mortgage Company on XXXX XXXX for {$340000.00} after using them as our prior mortgage company when we first purchased our home. All payments have been made timely and with no interruptions until XX/XX/2021. At that time payments were switched to XXXX. 
We were notified in XX/XX/2021 that by XXXX XXXX of XXXX that XXXX XXXX holds the original promissory note and rights to service the mortgage. First Mortgage disputed this, but XXXX XXXX has provided documents showing otherwise. We then sought advice from an attorney that spoke with both XXXX XXXX of First Mortgage and XXXX XXXX. It is still not clear cut as to who our payments need to be made to, but First Mortgage provided no other legal documentation to prove otherwise, and it appears that XXXX does in own the note. We then began making payments to XXXX ( the XXXX XXXX chose to change to ). They agreed to keep our account current from time of payment and to fund our escrow to match what was in escrow with First Mortgage. We requested our escrow funds from First Mortgage and at first they agreed, until this past week they sent a letter stating that they would be using the escrow funds to pay for the payments missed to First Mortgage, although payments were made to XXXX  ( XXXX ). We are desperately trying to resolve who to make our payments to in order to not have foreclosure or credit issues. Please advise.
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 appropriate redress for these violations.
Product: Checking or savings account

Dear Sir, I order XXXX products every month. In XX/XX/2022 I ordered products using credits I had. However, XXXX charged my checking account {$130.00}. I called them immediately and they said they would cancel the charges. They refunded my money however in the interim the money they took out of my account caused a number of my checks to bounce. The bank charged me a fee of over {$250.00}. I explained what happened and the bank said they could only refund {$110.00}. That means I have to come up with and additional {$140.00} to cover fees. XXXX has admitted that it was a mistake to charge my account. Yet the bank XXXX refused to give me a full refund. 

I am now unable to pay my bills this month. I have deposited over {$500.00} all ready to try to solve this problem. I am not a rich person. The bank lost nothing. Why should they make money of a stupid XXXX mistake. The bank manager XXXX XXXX. XXXX refused to help me. She was steadfast in her refusal. You understand no money was actually lost. Thank bank paid out nothing. They are happy to make money of a companies mistake. I didn't authorize the payment which normally triggers a refund of fees. However, the bank intends to make money off of me no matter what.
Product: Debt collection

On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is w On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX  7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is wrong and every phone call leads to an automated system. It is reporting derogatory on my credit and I cant even try to resolve it, due to the fact that they are not getting back with me. Can you please help? I have reported this to the attorneys general office as well as the better bussines bureau. At this point, j think I may need to get an attorney. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and Experian also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed
Product: Credit card or prepaid card

I have a Best Buy Credit card with a $ XXXX limit. I added my daughter to use the account. When the account was already over the limit from her charges, an additional charge was made for {$1600.00} and Best Buy added it to the bill and then wanted it paid. I have a limit of $ XXXX, period. The credit card agreement allowed for the bank to allow " Slight '' over charges. I demanded the additional charge be reversed, as I did not authorize the additional charge over my limit, and they have not acted or responded. I also removed my daughter from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX, I am writing you today to delete the information provided below. My FTC XXXX is attached. I have also attached my XXXX and XXXX for proof of identity. 

XXXX : Collections - XXXX XXXX XXXX - {$560.00} Date Opened : XX/XX/XXXX. 
Please delete this inaccurate account from my profile. 

Hard Inquiries - XXXX XXXX XXXX - XX/XX/XXXX Please delete this fraudulent inquiry from my profile. 

Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Transunion : Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please remove these fraudulent inquiries that do not attach to an account. 

Collections : XXXX XXXX - {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - {$1400.00} Date Opened : XX/XX/XXXX Please understand that I am a victim of XXXX XXXX and I demand that you comply to my request to investigate and remove these items from my credit report. I appreciate your concern to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

its the data hackers that try to think Im stupid : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -
Product: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.