23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX student loan payments of $ XXXX were paid on my account. Those payments did not count towards my 120 payments needed for forgiveness because payments were paused during Covid. I've requested that the {$2700.00} paid be refunded/returned to me as my family is experiencing a hardship while my dad is receiving XXXX and XXXX. I've reached out to studentaid.gov. I've reached out to XXXX only to be told that my previous loan servicer would have that information but the previous servicer is not in business. Who can tell me what I need to do to have the money refunded, if anything. Every one wants to pass the buck and we're struggling financially. Can I please, get a response? The payments were made from XX/XX/XXXX - XX/XX/XXXX. If I'm not entitled to a refund I'd appreciate knowing that as well and the reason why. Any assistance in obtaining a response is greatly appreciated.
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOV ASSOCIATES. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.

PORTFOLIO RECOV ASSOCIATES XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After checking my consumer report, to my surprise the following company is report a late payment.

( List financial institution ) I am demanding the late payment be removed because I believe my consumer rights have been validated based on the law ( s ) listed below 15 us 1681a - Definitions ; rules of construction - Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 us 1681n, as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. 
Either the law is applicable or not! 
Send an updated copy once the item disputed has been removed XXXX! = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX = XXXX
Product: Credit reporting or other personal consumer reports

Midland Credit Management has an unverified, obsolete, and inaccurate account on my credit credit report. 

This account needs to be deleted from my credit report. 

Thank you XXXX XXXX
Product: Checking or savings account

My cash card was locked and I could not unlock it in the app. I contacted them on Thursday, I sent in the stuff to verify my identity on Friday, and all they'll tell me is that it has been escalated to their special investigations team and they'll get back to me. Me. It's been almost a week that I can't access my money! And they won't tell me anything other than it's being escalated. And thank you for my patience. I have bills to pay, I have kids. I can't not have access to my money!
Product: Credit reporting or other personal consumer reports

Detected all accounts don't have no error on my credit report please remove this account of my report
Product: Debt collection

Charges are a result of identity theft as I did not charge or authorize any purchases from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Credit reporting agency has not thoroughly investigated this account and been reporting damaging information to my credit report. The company has violated my consumer rights. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. The presence of this fraudulent account is severely impacting my ability to obtain credit.
Product: Credit card or prepaid card

My name is XXXX XXXX, I have a synchrony credit card with jcpenney with an account ending in XXXX and my last four digits of my SS # XXXX. 

I have been a loyal customer for a long time and at one point, I used to be an employee working for JCpenney in XXXX, CA. I bought some items on deferred payment which now I understand what it means, and I was making bigger payments all along thinking that my payments will prevent you from charging me extra interest. I was wrong. 

I never received any notices or emails or warning that my account was going to be subjected to the deferred payment interest. Here I am jobless and going through a divorce, I got hit by XXXX dollars in Interest and another XXXX dollars in additional interest. I had to borrow the money to pay off all my debt and balance afraid more chargers will be added. Please credit me back the Interest I paid. I was not informed. It is absolutely not ethical to prey on uneducated or poor people. 

Thank you, XXXX XXXX You can reach me @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Debt collection

Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Mortgage

We have our house under contract to sell with a closing date of XXXX/XXXX/2015 and have been attempting to get a payoff from Greentree/Ditech since XXXX/XXXX/15. Through multiple emails and daily phone calls from the title company and ourselves, we can not get any resolution. Despite having names and employee ID numbers, when we reference these that person is always " not in this department '' or is unavailable. We were told on on XXXX/XXXX/15 that we would have a payoff no later that XXXX/XXXX/15. When the payoff did not arrive, we were told that we had never been told that, and in fact they had not had any prior conversation with us. We asked for them to pull up the copies of the recorded conversations, ( per their own statement before you talk to someone that all calls are recorded ) and not surprisingly, they do n't have access to them and they are only kept for a couple of days. Today 's story from Greentree/Ditech when we called them went as follows : " The request has been sent to the regional office and we are waiting for it to come back. ". The representative for Greentree/Ditech went on to say that they can not check on the status of the payoff at the regional office because they have no way to communicate with them. They have hundreds of regional offices and no way to call or email them. Sounds like nothing but avoiding to provide us with a payoff. Our mortgage is and has been current with them despite what feel like their attempts to have it in default. Amazingly they never putting the amount of payment due on the statement, if one comes at all. Previously when we foolishly mailed payments they were inevitably " misplaced '' and not posted right away which we learned very quickly so we then paid it over the phone with their company and happily paid a {$12.00} fee to know our payment would be posted immediately. Since then we have had it processed through our bank 's bill pay and have not had any posting problems. At this point we are having to pay {$880.00} to extend our buyers lock to hopefully not lose the deal over their refusal to furnish us with a payoff on our home.
Product: Credit card or prepaid card

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and WELLS FARGO BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.
Product: Vehicle loan or lease

I turned in my lease on XX/XX/XXXX and received a bill from Hyundai Motor Finance in XX/XX/XXXX. I tried contacting the dealership for help, because my husband has been out of work since XX/XX/XXXX due to Covid-19, and the dealership never contacted me back, this went on for over 2 months. On XX/XX/XXXX, I finally spoke to a manager who basically told me too bad nothing I can do for you, you have to deal with Hyundai Finance. I have had nothing but issues with this XXXX XXXX XXXX, I was more than happy to end my lease early. On XXXX XXXX, I contacted Hyundai Motor Finance, I spoke to XXXX XXXX, he told me there was nothing they could do to help, that it could possibly be sent to the credit bureaus once the account hits 90 days. I explained to him about my husband being out of work due to the pandemic and receiving less than $ XXXXweek,  after about 30 minutes XXXX XXXX told me to call back at 90 days, XX/XX/XXXX and they could offer me a settlement. On Friday, XX/XX/XXXX, I noticed my credit score dropped 47 points I was furious, I called Hyundai Finance again on XX/XX/XXXX, received a settlement amount of {$470.00} and paid it off ( after having issues-4 phone calls before actually getting the XXXX XXXX number ). Every other business is working with their clients/consumers during Covid-19 except Hyundai Motor Finance. Hyundai Company only cares about money, they don't care about their customers needs.

I would like to have my credit score fixed and this negative report taken off my credit reports. I attached the 2 letters ( 3 pages ) I received which neither says anything about reporting to the credit agencies prior to 120 days. I have submitted a complaint to XXXX on XX/XX/XXXX and to date, Hyundai has not replied to them. 

On XX/XX/XXXX, I called Hyundai Motor Finance to be sure my balance was zero and XXXX told me I had a balance of {$110.00}, according to XXXX, she is submitting a waiver for the {$110.00} and I will receive a letter stating my {$0.00} balance. I could not believe that they had not cleared this up since I paid the settlement amount on XX/XX/XXXX. As of today, XX/XX/XXXX I still haven't receive any confirmation my account is zero. 

Please help!! 

Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it became clear that XXXX credit bureaus are not obstructing documents. I am sending this complaint in order to help with the legal response because it is required by FCRA regulation 605b. If you choose not to remove the attached documents listed below, which contain fraudulently obtained incorrect answers, I will turn over my archives to my attorney so that they may start a legal process. If it's not too much trouble, please follow the law as it is my intention to not pursue any lawful activities. 
XXXX 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 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 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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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: Student loan

The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of 2016, I have been trying to clean up my credit report and there is still have been fraud information and lots of inquiries. I have had a hard time trying to connect with experian. It does not let you speak to person like the other creditors do but it is hard to l let them know that the information needs to be taken off so that my score can be corrected. I have also sent a police report to let them know that whoever it is has stolen my identity and I have a fraud alert on my account. So why are these inquiries still on my credit report? I have called the experian phone number but like I said it will not let you speak to a live person to discuss these issues. The phone number to which they gave me was XXXX. It does not work and I can not talk to alive person.
Product: Credit reporting or other personal consumer reports

I contacted capital one on XX/XX/2024 about an account that was paid in full as agreed but they continue to report outdated information which is damaging my credit, when the account is no longer active.
Product: Student loan

Starting sometime end of XXXX/beginning of XXXX this year, I have had multiple unproductive communications with Great Lakes Loan Servicer when I was trying to get an Income-based repayment. First, they incorrectly told me that I used the wrong application so I resubmitted, then I was told to go back to the old way I did it, and this time they said it was wrong again ( we kept going back and forth and after about 5 different applications they said it was correct ). Then came the next wave of problems : this time the estimates I am given when I submitted my application are different from what I got after it was processed and no one has been able to give a reasonable explanation. In any one day I call and speak to 3 different agents and I can get 3 different answers. I have spoken to regular agents and supervisors. The next problem came when I tried to consolidate loans I have with my last school that had just entered repayment ( these are also federal loans ). The process has taken more than 2 months and I am getting different answers. In the email I received it says that the loans were not processed because I did not fill out the IBR form ( which of course they already have ), and on the phone I was told that they did not get paid because they were in repayment ( but again, these loans were already in repayment ). It seems to me these people do not have any idea what they are doing and sadly they are managing a large sum of money for a lot former students. Something needs to be done ( may be an audit, or shut them down altogether ).
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX {$16000.00} These credit accounts are the results of identity theft and fraud.
Product: Checking or savings account

I had excessive overdraft fees from Wells Fargo in the past year XXXX and XXXX. 
And I just found out about the settlement that was approved this year and have not heard anything from my bank and I believe i should qualify for competition since I have been a customer with XXXX
Product: Credit reporting, credit repair services, 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. 
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  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 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: Credit reporting or other personal consumer reports

( XXXX XXXX ) XXXX, XX/XX/XXXX, contents of complaint : this CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Equifax credit reporting agency block any 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 consist of a car loan account open with XXXX Consumer on XX/XX/XXXX account number ( XXXX ), a rental lease with Fair Collections & outsource opened XX/XX/XXXX account number ( XXXX ) credit card account with XXXX opened on XX/XX/XXXX account number ( XXXX ), These accounts have resulted in several fraudulent collections appearing on my consumer file credit report all of that aforementioned accounts collections are the results of identity, theft, and fraud. I have attached a copy of FTC identity, theft criminal complaint as proof from the US federal trade commission that all of the aforementioned consumer credit accounts collection accounts are the result of identity, theft, and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$51.00} XXXX XXXX XXXX # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXXXXXX XXXX XXXX # XXXX {$1400.00} XXXXXXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : COLLECTIONS # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} COLLECTIONS # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX  # XXXX {$140.00} XXXX  # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent consumer report, I discovered unauthorized bankruptcy entries that directly violate my privacy rights under 15 U.S. Code 1681 a ( 4 ). As a XX/XX/XXXX the unauthorized disclosure of my personal information and the inclusion of these inaccurate bankruptcies represents a serious breach of consumer protection laws. This violation has exposed me to significant harm and demonstrates a concerning disregard for established privacy regulations.