23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from XXXX XXXX and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding collection/charge off ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of collection/charge off connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Payday loan, title loan, or personal loan

I applied for a home improvement loan from Greensky XXXX ( hereinforth referred to as " Greensky '' ) in XXXX or XX/XX/2022 ( I do not recall the exact date ). A hard inquiry from Greensky appeared on my consumer credit report. However, I received a letter shortly thereafter that stated that my application was denied because " my information could not be verified ''. 

I found this reason to be too vague and likely erroneous. Therefore, I decided to send a letter to Greensky on XX/XX/2022 to request clarification and to request that they move forward with the application. I enclosed a copy of my Texas Driver License and the letter from Greensky for reference. 

Unfortunately, I did not receive a response from Greensky. I re-sent the letter about a month later. I still did not receive a response. So far, Greensky has been completely unresponsive. I find this to be highly unethical. Greensky should not have initiated a hard credit inquiry if they had no intention of processing my application.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX XXXX 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.
Product: Debt collection

I received a letter in the mail today from a company called afni, attempting to collect {$86.00} on behalf of XXXX XXXX XXXX. They just keep selling this balance to a new collection agency and I keep disputing. I win the dispute and then find out it's been sold to another company. THIS SHOULD BE ILLEGAL! 

When I was with XXXX XXXX XXXX, I did NOT have the service I was paying for. I run an online business from my phone and was not getting internet service. If you review my records with XXXX XXXX XXXX, you will see that I called them MULTIPLE times, saying that I could not work like this, without the internet working. 

Also, before even signing up for XXXX XXXX XXXX, I went into an XXXX XXXX XXXX store and a sales representative quoted me for a monthly service, after we discussed plan options. He wrote the monthly amount on the back of his business card for the plan we decided upon, but I told him I would think it over and come back the next day. ( I was with my previous company for 15 years. ) I DID go back the next day and was told that the promotional plan rate we talked about had ended -- but not to worry! I could sign up, and then call customer service and they'd honor it because I had just been in the store. Well, guess what? That did not happen! They did not honor the agreed on monthly amount that I signed up for! So, also look at my account for that. I called on DAY ONE! 

I am tired of huge companies like this being bullies, changing things, and not caring at all about the violation. It's wrong! Why should I have to pay for ( 1 ) a price offered that was not honored and ( 2 ) I did not even receive the service that was to be included in the plan! 

The collection agency told me I could " just pay {$50.00} '' to make sure it " didn't get on my credit bureau '' but that too should be illegal! Why should I have to pay a single XXXX to avoid having something put on my credit bureau that I don't owe, under a company that used misleading tactics and didn't provide the service they provided? 

Also, once a dispute has been determined to NOT be owed, why is it allowed to then be passed on to another collection agency?!!
Product: Checking or savings account

In XX/XX/XXXX, my debit card was stolen and the person that stole my card used my account to deposit stolen checks ; leaving my account in overdraft. I spoke with my bank about the problem and they connected me with the fraudulent department. They closed my account and opened up a brand new one for me. About XX/XX/XXXX I had trouble getting access to my account. I spoke with the bank and they told me to speak with the fraudulent department again saying that my account is on no check status. Money was able go into my account, but I wasn't able to take any money out. The attorney on my case, XXXX XXXX, told me that until I pay back those overdraft fees of $ 950+, I will regain access to my account. I called my own personal attorney and filed a police report. They wrote a letter regarding my situation, to the bank, about fixing my account and nothing has been done since then. It is XX/XX/XXXX and I haven't been able to gain access to my account since XX/XX/XXXX. I have bills that are way over due now because I still don't have access to my account. My attorney gave me advice and told me to file a complaint with the Department of Banking so that they can help resolve the situation. The bank knew that there was fraud on my account but they're having me pay back those fraudulent fees, which I don't understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX, XXXX And XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Product: Debt collection

I submit a letter to the collection asking them to validate the information and no response at this time. A letters in writing and mailed out
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted an Identity Theft Affidavit to XXXX, because someone had opened up and account with ACIMA CREDIT XXXX XXXX ( Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from XXXX  nor Acima regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX to send money for the purchase of concert tickets. I used XXXX through my Bank of America mobile banking app and did not know the transfers could not be disputed if something were to happen. The seller received my money and said he was transferring the tickets into my name however I never received them. I have screenshots of our conversation. I also requested that he send the money back because the transfer never happened. He said he would then blocked me and never sent funds. I contacted Bank of America and they told me I could not dispute the charge. I can also show that the tickets he said were being sent to me were never in my XXXX XXXX XXXX.
Product: Checking or savings account

To Whom It May Concern, Since XXXX XXXX XXXX  days ago, Chase Bank has failed to preformed, in turning over to me, XXXX XXXX, the sole trustee and beneficiary, access to the money my parents left me, in the XXXX XXXX XXXX. They have on file the trust, death certificate and trust tax I D number. Chase said they don't have enough money in the bank and it would be reviewed in their Florida offices, where a check will be mailed to my home address.. 

When I've ask, what is happening, Chase replies, the account is in review, or we can't get in touch with them because of the time difference, or we are looking in to it. When I asked for the address of the Florida Legal offices or a phone number, the refused to give it. 
An other bank, in the XXXX XXXX XXXX gave us the funds within a week. After speaking with an attorney, he said they should have turned the money over then.
Product: Money transfer, virtual currency, or money service

This is a XXXX involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Binance about whether my funds were stolen. Binance has been incredibly unresponsive. Details/chronological summary 1. XXXX XXXX card theft- on XX/XX/2021, about XXXX, XXXX  assisted a hacker to take control of my XXXX card and disable my phone. The hacker then proceeded to make password changes on my email and several of my XXXX currency accounts, including Binance I attempted to use my phone but was frozen out because of the XXXX  swap. I borrowed my parent 's phone and contacted XXXX to get back control of phone. We suspect possible inside job at XXXX since I was later told that their internal notes said it was unauthorized user who called in the change of my XXXX card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 2. Binance- I have tried everything to follow up and resolve the issue with Binance . I have attempted to do everything they said in their robot responses to no avail. After almost three months of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Binance support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. I have no clarity from XXXX that my approximately {$90000.00} of investment in XXXX is still there, nor do I have any reason to believe the account is secured or frozen. 3. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 4. XXXX On XX/XX/2021, I submitted a fraud claim to the FBI XXXX XXXX unit.
Product: Debt collection

You threatened to pursue legal charges against me in my county of residence, even gave me a deadline prior to you submitting such " charges '' You also, despite being asked not to, CONTINUE TO contact my family and discuss such situation with them. Consider this notice of representation Threatening Arrest or Legal Action. The threat to take any action that can not legally be taken is prohibited Contacting Third Parties. Revealing or discussing your debt with neighbors, co-workers, family members ( other than spouse ), or friends is strictly prohibited.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, DEPT OF EDUCATION/XXXX Account number XXXX, DEPT OF EDUCATION/XXXX Account number XXXX, DEPT OF EDUCATION/XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  XXXX bankruptcy discharged Date filed XX/XX/XXXX XXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX,
Product: Debt collection

Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy case number XXXX This is my second or third time asking TransUnion to show proof of how they have verified this account, and they have yet to provide proof, They only say " verified '' which isn't sufficient. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021 XXXX XXXX sent documentation stating that they removed the bankruptcy case XXXX from their report. After that, I sent a dispute to Transunion stating that XXXX XXXX has removed this account. XXXX XXXX is the company TransUnion report to verify bankruptcies. If XXXX XXXX has removed this account, Transunion is lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a XXXX account ( Account XXXX : XXXX ) on my Experian credit report. The account contains several false late payment entries. I have always made on-time payments, and the reported late payments are entirely incorrect. 

This inaccurate reporting violates 15 U.S. Code 1681a ( 2 ) ( xi ), which ensures my right to accurate and verifiable credit information, as well as 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require proper investigation and resolution of such errors.

I previously submitted a dispute to Experian, but they have not corrected the inaccurate late payments or provided verification of the account details. These errors harm my creditworthiness and falsely portray my financial behavior.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the second attempt made to remove fraudulent items from my account. 

Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me undue stress and financial strain. 

I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary frustration and inconvenience. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>2022 ; XXXX XXXX XX/XX/year>2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian, XXXX, and XXXX multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX XXXX  Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. I Sent a new letter XXXX. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, XXXX, and XXXX with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Protection Act XXXXt account # XXXX. XXXXXXXX XXXX  XXXX XXXX Account Number XXXX, XXXX. XXXX XXXXXXXX XXXX  Account Number XXXX, XXXX. XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Account was open to deposit my college funds in. As I moved to a small town in XXXX XXXX  and XXXX XXXX  was in XXXX XXXX XXXX there wasn't a wells Fargo near me .they would over charge me on everything to use my card. And when money was stolen and not authorized, they allowed it to happen without fixing it thus happened in XXXX to XXXX