23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt, requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement.

Verification of your claim against XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both NEL NET AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above documentation for my personal records. Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE FOR XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



IT IS IDENTITY THEFT BECAUSE ACCORDING TO FERPA US DEPT EDUCATION AGREED TO NEVER SHARE MY PERSONAL INFORMATION IN WHICH SOMEHOW NEL NET GOT IT WITHOUT MY CONSENT OR PERMISSION. NOTES HAVE BEEN SECURITIZED WITHOUT ME RECEIVING MY SHARES. I REQUESTED MPN AND ALL LOAN DISCLOSURES VIA CERTIFAL MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX. INDENTURED TRUSTEE FOR NEL NET IS LIABLE AND REPSONSIBLE FOR THE FRAUD THAT IS OCCURING AND HAS BEEN NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response for2 years i been trying to get resolutions on the accounts that do not belong to me.
Product: Debt collection

AFFIRM INC XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Subject : Debt Validation Request Dear AFFIRM INC, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt.

Specifically, I request the following documentation : 1. Proof of Debt : Copies of all records showing the amount of the debt, how it was calculated, and the original contract or agreement signed by me.

2. Assignment of Debt : Copies of all contracts or assignments that demonstrate your legal right to collect this debt, including any chain of assignment from the original creditor to your company.

3. Original Creditor Information : The name, address, and contact information of the original creditor, along with details about the account and any outstanding balance at the time of the assignment or sale.

4. Payment History : A detailed, itemized statement showing any payments made, fees added, and the balance still owed.

5. Statute of Limitations Verification : Documentation confirming the date of last payment and whether the debt is within the statute of limitations.

Until I receive the requested documentation, I dispute the validity of this debt. I also request that all collection efforts, including reporting to credit bureaus, be halted until this matter is resolved.

Please note that future communication regarding this matter should be in writing and sent to the address listed on file. Additionally, I request that you do not contact me by phone. 

Thank you for your cooperation. I look forward to receiving the requested information within 30 days of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was inform of a compliant by myself, they proceeded to investigate. After investigating, by omitted that my credit profile was inaccurate and updated with more inaccuracies. Under the Fair Credit Reporting Act, they suppose to maintain accurate information at all times. They also didnt provide verification of these accounts, and continue to ignore my requests for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for refinancing of a mortgage, Quicken Mortgage provided information showing 40 collections, 20 legal collections, 2 recent delinquent reports and 13 delinquent accounts that seriously affect my credit record. I have no idea who is submitting this information to the credit agencies because it is the first time I have seen such. I am requesting information on who is providing this information for the credit agencies so I can have my attorney take necessary actions to repair my credit reports. 

You asked me to provide names of companies involved, but I don't know who they are. If there is something I can do to obtain this information, please let me know and I will take whatever action is necessary to obtained. 

XXXX XXXX
Product: Debt collection

re : Hunter Warfield account XXXX Currently, Hunter Warfield is attempting to collect a debt in which it claims {$570.00} is owed to an apartment complex called XXXX XXXX. 

More than five years ago, I moved out of XXXX XXXX. There were substantial issues with the management of the complex, to say the least. Among other issues, there was a murder at the complex XXXX which certainly did not make me feel safe having my wife and children live there, to say the least. 

Most direclty, the woman who was employed by XXXX XXXX as the complex manager at that point ( 2012 ) specifically told me that my account with XXXX XXXX was paid, settled, and nothing further was due. It has since come to my attention that this ( now ) ex-employee was later arrested and convicted of fraud, involving her use of other people 's Social Security Numbers to fraudulently obtain goods and credit. 

I have disputed this debt multiple times to the various consumer credit bureaus Hunter Warfield is reporting it as an " unpaid collection '' to, but each time, Hunter Warfield confirms the debt is " accurate '' and instructs the bureau to continue to report it. 

I have no legitimate debt owed to XXXX XXXX. Collection activity should stop and whatever information reported to my credit should be deleted.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach.My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has done nothing. please help me delete these illegal accounts from my credit reports. 

Account Names : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX {$920.00}
Product: Debt collection

I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX  obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.
Product: Mortgage

I submitted a complete application for mortgage assistance to Selene Finance on XX/XX/2023. Since that date, I have made numerous attempts to contact the company to inquire about the status of my application. Unfortunately, I have not received any communication from the lender, either confirming the receipt of my complete application or providing information on the processing status. 

Despite making several calls to their office and speaking with different representatives, I have not received the courtesy of a clear response. Moreover, my requests for a callback from a supervisor have been ignored. 

The lack of communication from Selene has left me in a state of uncertainty and anxiety about the status of my mortgage assistance application and the coming foreclosure. I believe that I am entitled to timely and transparent information about the processing of my request, as well as acknowledgment of the receipt of my complete application. 

I understand the importance of due process and respect the time required to review applications. However, the complete lack of communication and failure to acknowledge my repeated inquiries are causing undue stress and frustration. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Selene complies with the necessary regulations and provides timely and transparent communication to borrowers. 

Thank you for your attention to this matter, and I look forward to a prompt resolution
Product: Debt collection

The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of 2020. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.
Product: Student loan

Hello, On XX/XX/XXXX, I received notification from XXXX that Nelnet would be my new servicer, effective XX/XX/XXXX. On XX/XX/XXXX, my XXXX loan payment increased from {$210.00} to {$260.00} ( approximately {$50.00} ). 

I called Nelnet in late XX/XX/XXXX to try to understand the ~ {$50.00} increase, and received no answer. I requested an amortization schedule, and was told that would not be possible. I called back Nelnet on XX/XX/XXXX ( today ), and explained to the representative that I wanted to understand the {$50.00} increase, and my understanding is that I have approximately 10 years remaining for my consolidated loans and 5 years remaining for my variable rate loans. After a long pause, she returned to say that there is good news, and Nelnet has put my loans on a 25-year repayment schedule effective today, with 201 installments remaining, and a monthly payment of {$140.00}. I explained that I am not interested in 25 years, and requested a 15-year and 10-year plan, as I had thought I originally had in place. They said this is not possible. I also requested an amortization schedule for the second time, and was again told that would not be possible. Nelnet could not explain the {$50.00} increase either, so I filed a complaint with Nelnet. Nelnet indicated that I was paying too much every month, but could not explain why then XXXX/Nelnet does not owe me money or if my principal & interest owed have been accurately reduced as a result of these " over payments. '' Here is background on my XXXX Loans ( taken from email records ) : On XX/XX/XXXX, all of my loans were switched from a standard 10-year level repayment plan to a 15-year level repayment option. 
On XX/XX/XXXX, Account -2, with a variable interest rate, was adjusted to a 25-year extended repayment option, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$220.00} on XX/XX/XXXX. Account -3, with a variable interest rate, was adjusted to reflect the graduated repayment option for a 15-year term, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$78.00} on XX/XX/XXXX. ( Account -1, which is consolidated with a fixed interest rate, remained on the 15-year level repayment option ). 

Promotions and Incentives : -XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -1 account signing up for XXXX XXXX. 
-XXXX XX/XX/XXXX letter : I should have received a rebate of 1 % off of my -1 loan amount. 
-XXXX XX/XX/XXXX letter : I am eligible to receive ( 1 ) a 2.5 % interest rate reduction for the -3 account signing up for XXXX XXXX ; and ( 2 ) 1 % interest rate reduction after making 36 timely payments -XXXX XX/XX/XXXX letter : I should have received a rebate of 1.5 % off of my -3 loan amount. 
-XXXX XX/XX/XXXX letter : I should have received a rebate of 3 % off of my -2 loan amount. 
-XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -2 account signing up for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN SERVICING at XXXX XXXX XXXX XXXX, PA XXXX has been reporting inaccurate data on my credit report and is causing a negative effect on my credit report. The opening date of this account is not accurate amongst all three reporting bureaus. XXXX shows an open date of XX/XX/2012 XXXX shows an open date of XX/XX/2012. 
It is unlawful to report inaccurate data on ones credit report and i would like for this account to be taken off of my credit report immediately and to never be reported on my credit report again.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates
Product: Vehicle loan or lease

Vehicle has been stolen since XX/XX/2022 and account in litigation. I have supporting police case and report numbers regarding matter that I will upload.
Product: Student loan

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. 
In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. 
Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. 
Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. 
I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. 
Thank you so much,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan XXXXue to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports