23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I was attending XXXX XXXX XXXX  I enrolled myself in the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well spoke to the XXXX department and was approve for XXXX due to my XXXX XXXX I took XXXX and mid way I spoke to my than advisor that the class was to hard for me to take and that I need to finish it and she will re-enroll me again to retake, my than advisor name was XXXX XXXX and XXXX XXXX XXXX I ended up failing the class even though I made comment spoke to my advisor about the difficulty of it and was still encouraged and advise to continue the class instead of withdrawing me, I was never told or was advised that I needed to stay in a good standing point for financial aid, nor she said that I would owe a balance, I went to check on my account and that is when I saw the balance of XXXX I spoke to an advisor and he advised me that he spoke to his manager about the situation and for this one time it will be forgiven, that the only thing that I will owe will be {$150.00} for supplies witch i agree, moving forward the balance was never cleared, they never gave me instructions about the requirements, anything at all, i got a new advisor his name is XXXX XXXX i spoke to him and he told me the reasob it was not cleared was because the class XXXX was incomplete, mind you when i spoke to the advisor previously it wad XXXX XXXX my XXXX class and he stated it will be cleared right away, so now speaking to XXXX XXXX he stated that my situation with owing the balance does not look good, and i told him everything and he said well we can re-enroll you back into XXXX XXXX and oncw you receive you financial aid we can pay off the balance, and i told him no i withdrew from the school for false misinterpertation, and he also told me that i wont be able to get my transcripts or go to any other school because i owe a balance, i was baffled with his response because no where near the conversation did i say i wont pay even though they lie i agree to make payments, eventhough to advisors, and was advise to continue the class, and no one said that it will affect me in owing a balance, XXXX XXXX also stated that there going to be sending me to collections because of it, mind you im on a tight income im XXXX  why am i required to pay a balance when they stated i wouldnt, and bribe me into re-enrolling me in school, and when i said no was than told i wont be able to go to any other school and they are going to withheld my transcript this school doea not care about their students but lies, all conversations where over the phone they have the pre-recording, i contact XXXX XXXX plenty of times regarding this matter and she never responded back to me
Product: Debt collection

Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.
Product: Mortgage

In XXXX, the mortgage of my house was with roundpoint. In XXXX of XXXX, they sent me a check that got mixed with other documents so, I never cached it. That check had to do with some leftover amount in my escrow account. In XXXX of XXXX, while I was cleaning up old documents, I found the check. I called roundpoint and I asked what happened with that amount of money since I never cashed the check and I could not cash it anymore since 180 days passed since the issue date. Roundpoint claim that they had sent the money to the county. I called the county and they told that roundpoint has sent nothing to them and I have to ask roundpoint for a written proof that they have sent the money to the county otherwise they have to reissue the check. I did call roundpoint again and I asked the for the written proof according to the instructions of XXXX XXXX. Roundpoint asked me to email them the details in order to research the issue. I did send multiple emails. I did call multiple times and every time they tell me that they will respond to me at same point and they ask for extra time. 

My loan number back then was XXXX Mortgage was for my property located at XXXX XXXX XXXX, XXXX, CA XXXX. 
Check # XXXX Date that check was issued XX/XX/XXXX XXXX {$710.00}
Product: Money transfer, virtual currency, or money service

I posted a sofa on sale through XXXX XXXX on late XXXX of 2024. A lady named XXXX reached out to me interested on buying the item. She asked me for my phone number to proceed with a Zelle transfer and a pickup address. Then it became a problem when she messaged me that shed sent more money than what the price of the sofa was and requested that I sent her funds back. I was trying to be honest because my intention was to sell the item, not take her money and eventually after an initial transfer of {$500.00} I was scammed {$1000.00}. I called the bank immediately after I checked my bank account and was missing those funds. I filed a fraud claim with my bank and after sometime they said they couldnt return back the funds because I had authorized Zelle to make the transfer and the person on the other end claimed that they never stole the funds from me. I had proof of the XXXX  conversation, emails and Zelle receipts of all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.
Product: Debt collection

XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.
Product: Debt collection

I've repeatedly informed of 2 accounts opened with my info for utility bills where I didn't give permission for info used and I've never resided at the addresses for said accounts and the real owners are from the same family
Product: Debt collection

Transworld Systems Inc. Collection agency keeps reporting false debt on my report. Out of the blue one day, I received an alert through XXXX that I had a new collection account. I immediately looked it up and saw that the original debt was owed for a XXXX XXXX account, which Ive never had. I contacted XXXX XXXX to verify if someone was using my name and was told that I should report the company because there was not now nor never an account in their system with my name. I filed a dispute and the false claim was removed almost immediately. I assumed it was a mistake and moved on, but last week, the same account showed up again, with reason disaster relief as the reason I didnt pay, and thats a complete lie. Never owned the account, nor owed the debt and need this company out of my life and my credit file permanently. I disputed the account again and had it removed from one credit account, waiting for the other two. This company may have some valid accounts, but mine is not one of them! If they report anything else, I will be forced to hire an attorney to protect myself from this type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

The creditor filed on my report that I cosigned for a loan. I never cosigned for anyone. They provided Transunion a copy of the contract which show I was denied for a loan and never cosigned for anyone. All other credit agencies have removed the creditor ( XXXX ) and they have refuse to remove even when proof has been provided. I have submitted more that five disputes and they return an answer within 5 days stating its correct. I 've also filed a claim in court and added this item to my bankruptcy to have it cleared before the federal courts and informed Trans Union that it is my by chapter XXXX bankruptcy and they still continue to report the balance on my report while in bankruptcy.
Product: Debt collection

To whom it may concern, I sent a debt validation letter to Medical Data Systems Inc. and the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately
Product: Credit card

When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. 

If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the information from my reports
Product: Money transfer, virtual currency, or money service

On the XXXX day of XXXX in the year 2023, XXXX XXXX and I ( as the Authorized Representative and Beneficiary of my Estate ) agreed upon a price for an automobile. I am contractually obligated to tender payment. I provided them with lawful tender and authorized the discharge of the debt. XXXX XXXX deposited the tender of payment and debt discharge authorization with their bank, CHASE. After a couple weeks of waiting, I finally talked to someone at the Executive Office with CHASE, XX/XX/2023. The representative informed me they refused to do buisness with me because my method of payment wasn't a preferred method and acknowledged that the method provided is a method of payment, just not a preferred method. On XX/XX/2023, I took the method of payment to XXXX XXXX because I bank with them and instructed them to discharge the debt. They sent information to their legal team and I haven't heard back yet. I also tried to extend my credit by applying for a personal loan and XXXX XXXX refused to extend my credit when I spoke with someone at the Executive Office on XX/XX/2023. All debts are the obligation of the United States to discharge and depository institutions are required to perform the transaction pursuant to 31 CFR 357.13 and 12 CFR 1249.12. CHASE and XXXX XXXX have both breach their fiduciary duties towards me as the Executor of my Estate and Beneficiary under the XXXX XXXX XXXX.
Product: Student loan

the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Product: Credit reporting or other personal consumer reports

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. 

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my report
Product: Debt collection

Several callers have called me at my job harraseing me after I have repeatedly asked that they do not call me at work. After useing foul/obscene language the lady hung up in my face and have another lady by the name of " XXXX XXXX? '' call back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties. 

The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

Please keep me informed about the progress of this request and provide any updates or additional instructions as necessary within 10 days of this notice. I appreciate your attention to this matter and your commitment to upholding fairness and justice within our legal system. 
Thank you for your time and prompt attention to this important request. Please do not hesitate to contact me in writing at the above address.
Product: Credit reporting or other personal consumer reports

My identity was used without my consent to obtain service or goods. XXXX XXXX XXXX was was the finance company that is reported on my credit report on the amount of {$31000.00}
Product: Credit reporting or other personal consumer reports

**SECOND COMPLAINT FOR THE SAME THING*** In CFPB complaint # XXXX I explained that I was the victim of identity theft and included a theft affidavit regarding the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX the tradeline be deleted from my credit file. The response from EQUIFAX received on XX/XX/year> stated that the tradeline had been deleted. I pulled my credit and saw that the other XXXX tradelines in that complaint were deleted but the XXXX XXXX XXXXXXXX XXXX has not been deleted. I am including a screenshot of the tradeline and the response to the original complaint along with the original documents that I provided int he first complaint.
Product: Vehicle loan or lease

My cosigner declared bankruptcy and my loan company stopped reporting the payments I'm making on my loan to the credit bureaus. I am the owner of the account a still making the payments and account is in good standing. I spoke with them, and they keep telling me that they stop reporting once a bankruptcy has been filed. I said that I did not declare bankruptcy and they did not notify me that my cosigner did and said that there is nothing I can do to get my loan back on my report. because they removed it, my score dropped by XXXX points even though I'm still making the payments. I'm making the payments but they're not reporting it and the fair and accurate credit transaction act is not being followed. I have no documentation because I was never formally informed that my cosigner declared bankruptcy.
Product: Debt collection

In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>