23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX from Advantage Collection Professionals contacted me at my work. 
I asked her to not contact me at my work and leave a message on my personal number. 

She then contacted me again at my work and stated " I know you told me not to call you at work, but you did n't return my call. '' I told her again not to contact me at work and she said at this point I would be facing legal action. 

I told her I would contact my attorney in regards to her calling me at work when I asked her not to and said goodbye.
Product: Student loan

I was laid off from my job on XX/XX/year>. I immediately called Adivantage and told them the situation. I am on an income driven repayment plan and told them my income had changed because of the loss of my job. I was informed on XX/XX/XXXX that all I needed to do was send a letter from my employer stating I no longer worked there. I received that letter and provided it to Aidvantage. 

I had my loan placed in a forbearance by Aidvantage and didn't hear anything back from them. In XXXX of XXXX  I called Aidvantage multiple times and asked about the status of my income driven repayment plan. I was told once that everything I had provided was fine, that was with a supervisor, and then told I needed to complete a new income driven repayment application with the Federal Government. I heard nothing back from them and received emails in XXXX stating the loan amount wasn't changing. I think called back to Aidvantage who told me I needed to submit a letter stating I was starting my own business and my loan would be recalculated. This information ultimately turned out to be false. I had to call Aidvantage in the beginning of XXXX because my loan amount still had not changed, and it was then that I learned that I needed to complete a new application with the federal government and provide one of my wife 's paystubs to have my income driven repayment plan approved. 

However, in between XXXX, when I first called, and XXXX when I was actually given the correct information, the Federal Government had an injunction placed against them and they stopped processing income driven repayment plans. I am now stuck with having to put my loans in a voluntary forbearance because I do not qualify for any other forbearance or way to lower my monthly payment which is nearly {$2000.00} per month. I am not stuck with incredible interest that will accrue on my account and not get credit for however many months it takes to have the injunction lifted, if it is ever lifted. 

I would further add that Aidvantange asked if I wanted to opt out of my income driven repayment plan, which would wipeout the months that I have already paid in. 

In summary, Aidvantage is costing me tens of thousands of dollars, caused me to have to use my voluntary forbearance unnecessarily, and actively attempted to remove me from the income driven repayment plan, which I believe to be a deliberate attempt to defraud me.
Product: Debt collection

To whom it may concern, I am writing to dispute the accuracy of certain collection accounts that have been reported on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. to request the IMMEDIATE REMOVAL of these accounts from my credit file due to the failure of the collection agencies to validate the debt as required by law. 1. Failure to Validate Debt Under the FDCPA, specifically 15 U.S.C. 1692g, I requested debt validation from the collection agency for these accounts. As of today, I have not received any documentation or evidence that proves I owe the alleged debt or that the collection agency has the legal right to collect on it. Without proper validation of the debt, the collection agency can not legally report this account to the credit bureaus. 2. Inaccurate Reporting under the FCRA Under the FCRA, specifically 15 U.S.C. 1681i, all information reported to the credit bureaus must be accurate and verifiable. Since the collection agency has failed to provide proof of the debt 's validity, it is my position that this information is inaccurate and should be removed from my credit report. 3. Violation of Consumer Protection Laws By failing to validate the debt within the time frame allowed under the FDCPA, the collection agency has violated my consumer rights. I am requesting that the credit bureaus investigate this matter and remove the collection accounts from my credit report as these debts are unsubstantiated. Action Requested : I request that you immediately investigate the disputed collection accounts under the FCRA. If the collection agency fails to provide proper validation of the debt, I request that these accounts be permanently removed from my credit report. I also request that you provide me with written verification of the outcome of your investigation, as required by law. Please be aware that under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. If the collection agencies can not validate the debt or substantiate the accuracy of the reported information, I ask that these collection accounts be REMOVE from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University or even XXXX  and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Product: Checking or savings account

I just found out pnc has stopped users from linking directly to robinhood, no warnings or notices anywhere, Im apparently now not " allowed '' to invest my money into stocks
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal tax lien withdrawn. Documentation enclosed.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXXXXXX, account number XXXX XXXX : XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX : XXXX XXXX XXXXXXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I currently have my direct deposit sent to chrime bank out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported XXXX  months and stop they said it the credit bureaus not reporting my payment XXXX XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX transplant and other major issues and. Me tying to fix my credit is stressful
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and XXXX XXXX  still ask me for responsibility to pay no matter what
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a XXXX XXXX  XXXX data breach. My information was compromised and sold through the dark web. Equifax, XXXX and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a document that has 8 accounts that reported late. THE ACCOUNTS WERE IN DEFERMENT AND THE INFORMATION REPORTED IS INCORRECT.
Product: Mortgage

In XXXX 2015 I applied for mortgage refinancing to Citizens Bank. I sent all information and I disclosed everything in writing. During this time I got a better offer from another mortgage company, but I was told by the loan officer XXXX XXXX their policy is to match all offers, to get the business. The process was very slow, and we provided all the required information with no delay. Loan officer assured us that we are all set with the application and we need to pay the appraisal fee in the amount of {$470.00}. The appraisal report came after one week, but with wrong information ( only half of the house was appraised XXXX sq.ft instead of XXXX sq.ft ). Right away we contacted XXXX XXXX, our loan officer, and again we were assured to keep going with the process and correct this after we will obtain the refinancing ( in his opinion to correct the appraisal report will slow down the approval process ) .After couple weeks, the application was denied and my fee of {$470.00} never returned to me. We were trying to contact XXXX XXXX by phone or email and he never responded to us. In this situation we manage to reach up to the manager of that department - XXXX XXXX. He understood our situation and he assured verbally and by email that we are entitled to get our many back ( see attachment ). Couple times we were told that we neglect to check our credit card, because the money are returned already. Also we had a XXXX way call with XXXX, us, and our credit card company representative. After 4 months XXXX XXXX, XXXX, XXXX, XXXX ) of communication with XXXX XXXX we did not get our money back and now, like the loan officer he stopped to respond to our emails or phone calls. 
At this point we feel like we need help from your bureau to get our many back. 
Regards, XXXX XXXX XXXX home
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX  score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported. 
It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders. 

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once. 

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws. 

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting. 

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from Equfax it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against XXXX, Equifax and XXXX XXXX.
Product: Mortgage

i am attempting to refinance to get out of this predatory rate Chase has me at 6.625 % but they refuse to assist me.
Product: Credit card or prepaid card

XX/XX/2022 full amount sent to merchant of {$560.00}, card ending XXXX. Billed by credit card comp, again for {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount of {$560.00} had been paid on XX/XX/2022 and it had been taken from my checking account. I have been fighting with the credit card company and get nowhere. They said the disputes I filed with them had been investigated ( two different times ) and I was responsible for the charge.I have the paperwork from the merchant and my bank stating this bill has already been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$390.00} XXXX XXXX {$89.00} XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$690.00} XXXX  XXXX {$1400.00} XXXX XXXXXXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Mortgage

in XXXX 2014 I made my mtg. payment. it was n't until XXXX or XXXX they informed me that I missed my XXXX payment. I have since spent months trying to resolve this. I have sent my bank statement showing I made the payment and they took my money. my bank even sent them proof of payment. but Ocwen 's response is they are trying to find out what they did with the money. in the meantime i 'm receiving late notices still, my credit has been trashed, and they are taking late payments. they refuse to fix my account. why am I paying for their mismanagement of funds. I informed them I am filing a lawsuit against them and will not play their game any longer.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to experian on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Student loan

I applied for TEPSLF in XX/XX/XXXX for my federal student loans. 

I've been continuously employed since XX/XX/XXXX with a PSLF-qualified gov't agency. I never missed or deferred on a single loan payment. 

My loans were transferred from XXXX to U.S. Dept of Education to MOHELA in XXXX XXXX. Since that time, it has been a nightmare trying to get information on the status of my loans with MOHELA. 

After finally reaching one of their customer service reps in XXXX XXXX, I received a memo which indicated I had " 182 PSLF Eligible Payments '' but could provide no other information about TEPSLF. 

In XX/XX/XXXX, the details of my loans disappeared from the MOHELA website, but it displayed a {$0.00} balance. There were no memos or notices on the website explaining what had happened. 

I called MOHELA customer service repeatedly to verify the status of my loans. They informed me that my loans had been discharged under PSLF, but could provide no information on TEPSLF and the 62 over-payments eligible for refund.

I was told I would have to wait 90 days for MOHELA to provide an update on TEPSLF ... then it would be up to the U.S. Department of Education and that could take another 90 days or more. 

If that estimate from MOHELA is accurate, I would be looking at approximately 16 months from the time I applied to determine if I qualified for TEPSLF??? 

It should be noted that according to MOHELA 's XX/XX/XXXX Investor Presentation, they are using the same servicing platform COMPASS to perform its servicing operations as my original loan holder ( XXXX ) -- with whom I never had a single hiccup. 

So, the lack of communication and delays with MOHELA are genuinely hard to fathom, not to mention terribly stressful for me and my family.
Product: Checking or savings account

On XXXX XXXX I received notification that checking account was opened at Associated Bank using MY Social Security Number, I called the Bank immediately and they say, they had frozen the account and started an investigation, I called several times last week and they say they said it was still in progress, when I called today XX/XX/year> and gave them my social security number they said they had NO record I will furnish my SSN to your representative upon request, but since bank has no record not sure if that would help
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and  illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

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If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

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Product: Payday loan, title loan, or personal loan

I received several emails from the branch that I was approved for the loan. I have an existing loan with them that Ive been in good standings. I was told I was approved when can I come in to sign paperwork. I was never told that I needed to secure a loan. I received an email back in XXXX saying I was approved the offer was valid until XXXX. This is totally false advertisement. I have two jobs and I get so security XXXX. Then I called their corporate headquarters and talk to a girl this morning that was completely rude and nasty and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my fiancee and I inquired with Cross Country Mortgage about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.

In the end, we decided that we will get the mortage under my fiancees name.

Despite this, a hard pull appeared on my credit report, which I made Cross Country aware of and asked them to correct it. I emailed Cross Country Mortgage to make them aware and they simply ignored it saying they did not pull my credit. 
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed Cross Country Mortgage to provide an explanation and they only stated that they did not pull it. 
I called XXXX  and they removed the duplicate pull but XXXX  told me that they could not remove the other pull and that Cross Country Mortgage would have to file a dispute. 

I emailed Cross Country Mortgage to do this with no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$21000.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX   XXXX {$4000.00}