23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to remove my bankruptcy 13 I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.
Product: Mortgage

On XX/XX/XXXX, we filed a complaint with the CFPB because Fay Servicing had not responded within 30 days to our appeal or application for a modification. 

On XX/XX/XXXX we received a letter from Fay Servicing on XX/XX/XXXX stating that we were approved for a deferment on our loan. The letter stated, " With a deferment, the total past due balance is deferred to the end of the loan. This second unpaid principal balance does not come due, until the loan matures or is paid in full. '' We contacted our customer service representative, XXXX XXXX, on XX/XX/XXXX to accept the deferment. XXXX XXXX was not available so we spoke with another representative, XXXX. XXXX confirmed that we accepted the deferment and would put the process through with our acceptance. We emailed the applications department at Fay Servicing our acceptance as well. We were told a conferment letter would be sent to us with a XXXX label. We asked how long would it take for the letter to be drafted. XXXX said it usually takes about a week or so and said he would stay on top of it to make sure it gets out soon. He also told us that all foreclosure proceedings were on hold and suspended for now. 

On XX/XX/XXXX, we called to follow up with XXXX XXXX and he said the letter had not been drafted and it would take another week to be done. We asked to speak with his manager, XXXX XXXX, who told us that we had been approved in the system on XX/XX/XXXX but that the deferment we were approved for was different than what was written in the letter sent to us on XX/XX/XXXX and sent to the CFPB. XXXX said that the large deferment that we were approved for was for half of the amount past due to be paid in monthly payments for 6 months in addition to the regular monthly payment and the other half would be added to the back of the loan. This is NOT what was written in the letter from Fay Servicings legal department, please see attached letter. We told him that this was not what was written in the letter from his legal department to us and the CFPB. We requested to speak with his supervisor to resolve this matter. We are awaiting a call back from his manager, XXXX XXXX. 
The letter also promised that the foreclosure proceedings are on hold, but we do not believe that to be the case.
Product: Student loan

I have been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debt referenced in your recent communication. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof. 
2. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor. 
3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount. 
4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred. 

Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports. 

Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Diversified Recovery Bureau may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated 20 hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Diversified Recovery Bureau in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2018my facial lady moved to a new spa and asked me to go with her. I signed a one year agreement to do 12 pre paid services.  The last time I went to the spa was XX/XX/2018.  My facial lady went to XXXX and was fired. The spa owner never disclosed this to me.  Someone also upgraded my membership from 12 prepaid services to 24 with no consent and charged my XXXX XXXX/m not XXXX/m as I agreed.  When I discovered this late XX/XX/2018 I sent notice to the owner that she was no longer authorized to charge on my XXXX.  I had tried to get in the previous months and was told XXXX was still out of town and finally XXXX told me she had been fired.  The spa continued to charge my card despite my withdrawal of consent for several months until finally XXXX helped me block them from using the number to process charges. Now they are wrongfully attempting too collect on a debt for the altered contract amount when the underlying agreed amount has been paid in full. I agreed to 12 services at XXXX and have been charged and am being sued for 24 services at XXXX  and even her lawyer agrees I agreed to only 12 services.
Product: Student loan

I am currently in a repayment program for my student loans with the company, Navient. I started to consolidate my student loans in XX/XX/XXXX. I had to go through the process several times because Navient did not include all my student loans during the consolidation process. I attended two schools : XXXX XXXX   XXXX College ( XXXX, NV ) and The University of XXXX, XXXX. I took out a total of 11 or 12 loans ( twice a school year, or one every Spring and Fall semester ). At first, Navient only consolidated my loans from XXXX. Then they only consolidated the loans I had from XXXX. Finally, around XX/XX/XXXX, the consolidation process was completed. I asked several times for a confirmation that all my loans were accounted for and were included in the consolidation. At this point the agent from Navient read to me the loans from both schools and assured me that all pertinent information was compiled from the Department of Education and that the consolidation process was completed.

I began making payments in XX/XX/XXXX, and I made all my monthly payments on time. In the beginning of XX/XX/XXXX, wages were being garnished from my paychecks. I was informed by the Department of Education and Navient that a number of my student loans went to a debt collection agency called XXXX XXXX XXXX. After making several calls to all the companies involved, I learned that Navient apparently did not include a number of my student loans in the consolidation and that these loans went into default and were now being handled by the debt collector XXXX XXXX XXXX

This was not the only upsetting thing. When I was gathering information, I found that my student loan debt amount had jumped from approximately {$35000.00} to approximately {$60000.00}! This is impossible because the total amount of student loans available to me as an XXXX were not even close to this amount. Also, the number of loans taken out in my name ( which were about 11 or 12 ) had doubled to 22! This is also impossible because I was only able to take out about 5 or 6 loans from XXXX and only about 4 or 5 loans from XXXX. The rest of my tuition for XXXX ( which was the last school I attended before receiving my XXXX degree ) was being paid for by a Federal Pell Grant.

I notified Navient of this situation in XX/XX/XXXX, and I was assured that there would be an investigation, that Navient would recall the loans from XXXX XXXX XXXX, that I would not be responsible for any payments until this problem was resolved, and that I would be contacted by Navient to notify me of the outcome. As it stands now, XX/XX/XXXX, I am still getting wages garnished from my paychecks ( approximately $ 200- {$300.00} each check for about the last 5 paychecks I have received ). Also, Navient has not contacted me regarding my claim ; however, I have started receiving emails from them that my payments are past due.

This is a serious problem that does not seem to be getting resolved. Also, I have not been given an explanation as to why or how my student loans have mysteriously been doubled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, Equifax, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. An inquiry at XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Student loan

After experiencing severe and ongoing financial hardship related directly to the current and ongoing COVID-19 crisis beginning XX/XX/XXXX2020 and continuing today, I contacted my private student loan servicer, American Education Services, to request an immediate extension of the Coronavirus Forbearance extension on all of my privately held student loans with AES. Upon speaking to several representatives, I was informed that this should be no issue, as all lenders were being very responsive to COVID-19 forbearances and extensions. However, upon requesting this extension three weeks ago as well as informing AES that I had been also affected by an earthquake in the Southern California area which affected my work in XXXX 2020, I was informed that this would be sent to my lender for approval and that they would also attempt to get this approved for a 90 day forbearance internally. I was advised on XX/XX/XXXX2020 by an AES Supervisor that my loans would be processed for forbearance approval within 24 hours to present, my loans held by NCT have not been placed in Disaster Forbearance, as promised, and I have not been contacted by my contact person who is a liaison for NCT, Mr. XXXX XXXX with AES, after several voice mails on XX/XX/XXXX20, XXXX/XXXX/20, XX/XX/XXXX20 and XXXX/XXXX/20. Additionally, I have not been contacted by National Collegiate Trust, and was advised " there is no way to contact this lender ''. I remain extremely distressed at this situation, and appalled at AES and NCTs handling of my situation, especially as an individual who has been affected personally by the Coronavirus both medically and professionally and financially. In addition to being severely affected by the COVID-19 crisis, due to the nature of my work, my employment has been profoundly affected by other natural disasters in my area, most recently an earthquake and the Soledad wildfires in XXXX county. I am at this time requesting immediate and urgent contact from the Executive Office of National Collegiate Trust, to ensure that my loans are placed in an immediate Disaster Forbearance as related to the COVID-19 crisis, which continues to severely affect me due to the state of California still being largely on lockdown and my employment being affected severely. Please urgently ensure this matter is resolved and my loans are placed in an Emergency forbearance as related to the ongoing national crisis. Thank you kindly in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is pay in full an outdated # XXXX
Product: Credit card

As a devastated victim of identity theft and based upon my petrifying findings of Wells Fargo Bank allowing a fraudster to obliterate my identity, I brought to the attention of an escalations advocate in the executive management office and was sent an apology letter as well as check in the mail as a token of compensation. 

Since then, there has been another fraudulent account opened in my name, however, its a credit card. This is humiliating and beyond the bounds of being in violation of my rights as a consumer.
Product: Vehicle loan or lease

reflects late payments and a repossession that are preventing me from purchasing a new vehicle Account Paid IN FULL I was the cosigner and need gone from account as well. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally request the immediate deletion of any and all non-public personal information you have on file regarding me. You are reporting or disclosing this information without my explicit permission or consent, which I do not grant.
Product: Debt collection

Please see attachments. Persolve can not and have not properly validated the alleged debt they are attempting to coerce a payment on. Requesting a forward flow agreement between Persolve and the creditor, the aggregate value of the debt Persolve purchased as an account that allegedly pertains to me and a receipt of the disposition sale of the car.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account XXXX : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}
Product: Debt collection

This debt was previously settled with another debt collector. The other debt collector agreed to settle the full amount of the debt and mark the debt " paid as agreed '' for the settled amount of XXXX. The company, XXXX XXXX XXXX sent the attached settlement offer, which was paid as agreed on XX/XX/2024 and shown in the attached banking transaction statement. 
This situation was brought to the attention of the three credit reporting agencies but Ability Recovery Services refuses to remove this from my report even given the evidence that it was settled.
Product: Vehicle loan or lease

Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX   XX/XX/2017 is been very hard for me to deal with my finncial stuation
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft JXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry:XXXX This is not mine.
Product: Consumer Loan

How is it fair that minorities who were affected in the Ally Bank settlement never got their checks, but XXXX who were not discriminated got checks. I bought my 2010 XXXX soul finance by ally, and it was a mess, all day if I wanted the loan I had to purchase a {$1000.00} warranty that was no good, in the office the sales rep answer my race on the phone to whom ever he was speaking with. When i heard ally was in trouble finally some justice, i requested a package never got XXXX, then i was suppose to get a card with info on the lawsuit, never got that, got in touch with the claims administrative said i was too late.. What you guys held it up and justice needs to be serve. And all the XXXX XXXX who were unable toget it should be compensate and the monies must be paid back by white borrowers