23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.
Product: Student loan

The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans.

I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

the address thats on the XXXX XXXX and the address thats on that XXXX is unknown. These should not be on my credit. I was never affiliated with that address. Someone that was associated to those address had to use my information. And created these accounts.
Product: Debt collection

My son has a new cell phone. Okay, it is not that new. We bought it for him a year ago, when he was XXXX and biking to school on his own. Recently Receivables Performance Management has been repeatedly calling his phone. They want to collect a debt from someone else. I called them back this evening and I had a very disappointing experience. I told them they were trying to collect a debt from the wrong person and the person they were calling was a minor. They told me it would take 40 hours to remove his number from their call list. I said they were violating the law calling a minor and they should be able to comply in less than forty hours. They could not do more. I asked to speak to someone who could assist me, and the person who answered said he just transferred calls and he could not help me and the four people there were all busy. 

I then asked if they were registered as a debt collector in XXXX, and the phone rep was unable to answer the question. 

About a year ago, someone was calling my son 's phone to collect a debt and I explained to them that this was the wrong number and the person they were calling was a minor. They stopped calling. I am afraid this is just a resold debt and this will not come to an end. 

I also think that they should send my son a written appology for repeatedly calling his phone during school hours.
Product: Student loan

In XX/XX/2023 I applied for an income driven repayment plan. This remains in process as of today XX/XX/2023 without any clear update as to when this will be reviewed. I have submitted multiple inquiries regarding the status and attempting to expedite review with Aidvantage. Additionally I have utilized the Student Aid.gov grievance submission form on more than one occasion. I have not received any sort of meaningful communication from aidvantage aside from a message every few months stating they're reviewing my case. Most of my friends who graduated at the same time as I did have already been approved, therefore making managing their loans possible. I have been unable to have any control over or manage any of my loans since I graduated in XXXX XXXX XXXX 

Additionally I applied for student loan discharge as several of the loans were taken out on my behalf by a borrower who has since passed away. These loans were taken without my understanding what the implications were. Further loans that I had to take out were for a XXXX XXXX XXXX  that had ethically questionable practices and did not deliver what they promised to deliver per their handbook. I submitted information detailing many of the incidents that took place during my time in this program for review in XXXX XXXX Since then I have received correspondence from aidvantage several times stating there is someone reviewing my case without any clear update. 

Because of the delay, my loans have been placed on administrative forebearance WITHOUT my consent. Because of this I have not made any progress in paying back my loans or working toward forgiveness even though I am working for a company, accepting far less pay than my peers that is considered non-profit for the purpose of 10 year service based student loan forgiveness. Had my initial income driven repayment plan be reviewed in a timely way, I would be working toward my initial plan for forgiveness after 10 years. Since they placed my loans on administrative forebearance without my consent, my loans are continuing to accumulate interest at an alarming rate as I have now over {$220000.00} owed. This is becoming detrimental to my ability to ever overcome the substantial amount of debt that I've accrued in my time working to become a XXXX XXXX 

I am completely at my wits end and considering seeking legal action against Aidvantage. These practices are completely unethical and sounds like a breach of the contract I had with the servicer.
Product: Mortgage

My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally again dispute late payment reporting on my Experian credit report regarding XXXX  accounts ( XXXX  and XXXX ). The errors in these accounts have resulted in a significant drop in my credit score. 

The company is in clear violation of the law. Under 15 U.S.C. 1681b.- Permissible purpose of consumer reports, THE LAW CLEARLY STATE : ( a ) **IN GENERAL** Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the **FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) ** Exclusions from a consumer credit report clearly states : ( 2 ) **EXCLUSIONS. **Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to **section 1681s-3 of this title**, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Vehicle loan or lease

I was paying off my vehicle after a 39 month lease and the dealer added {$2000.00} in dealer and paperwork fees to my payoff which I thought was only the amount agreed by myself and Infinity Financial Services. Then I asked if there was any over paying on my part since I was a day away from my last payment they assured the bank would refund any amount due back to me. The bank then took its last payment from my acct and said I was paid up and no money was going back but it wouldn't be verified until 21 days had passed. I told the dealer and they without apologizing said the would refund me the last payment within 3 to 5 days. Two weeks later I called since no check had arrived and they said it didn't get mailed but they could mail me one this same day. Ten days went buy and still no check! I went to the dealer at infinity and without any apology or our fault they cut me a check. I just want to file a complaint for first adding fees to my payout lease that are purely fictional and for making me have contact them three times and having to show up there for never admitting they took my money and having to pursue them over a month to get it back with no explanation whatsoever. If I hadn't first noticed they had double charge me they would have never said anything and probably blame it on the bank like they originally did!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters each month from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX and Experian disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XX/XX/XXXX has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.
Product: Debt collection

I went to XXXX XXXX with an option to stay at the company and debt would be forgiven. I decided to leave and changed home state. I Called family and went back to my home state to wait on bill, till today I have not received a physical bill. I received calls from swift at the beginning before moths from now I started receiving calls from a third party for collection. I stated to each party that I never received bill. About one month ago they put the debt in my credit report but I never refused to pay bill. I have not received the bill in writing. How can I pay this? Than I also see that the bill was increased by {$2000.00} from the original agreement signed at XXXX XXXX XXXX. This is bad business practice and I am not going to pay bill without receiving physical copy- also date is wrong. I went to XXXX school last year in XXXX. Please see attachment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : CXXXX 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.
Product: Credit reporting

Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.
Product: Credit card

I called FEB/Destiny when I saw XXXX attempts on my credit report to open a new card. The dates they tried to open them were XXXX XXXX XXXX and XX/XX/year>. All attempts were made with the company so I called them. I got a very rude customer service person and she said that she could see that these XXXX attempts had been made but each time the request to open a new card had been declined. I told her that this was not me who made the attempts to open a new card and I wanted to file a dispute. She told me she was not trained well and didn't know how. I asked her for a letter stating that I had called in and made a dispute so that I could give to me XXXX to dispute the charge she said she didn't know how to do that because she wasn't trained well. I asked her to transfer me to her supervisor so I could get some help from them she told me she wasn't trained well and didn't know how to transfer and didn't know how I could get these hard inquiries disputed. I did place a freeze on my credit with all XXXX credit unions because obviously someone has my information and is trying to open credit cards with it but I really need to get these hard inquiries off my credit report so I'm hoping you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a child support account on my credit report which does not belong to me. Please see my attached FTC ID theft report.
Product: Student loan

Higher interest rate charged than originally told, never post payment on time and does n't add up to amount I need to pay
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on I.Q. DATA INTERNATIONAL which openedXX/XX/2020 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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

This account from XXXX  ( XXXX XXXX ) and XXXX do not belong to me. They have XXXX XXXX on there. My real name is XXXX, XXXX XXXX XXXX and I have my identification to show somebody use my Social Security number and switch my name around XXXX XXXX just got on my credit of XXXX and it says his account was open in 2020 this is not mines and this is malicious identity theft. They use my name to open up to cell phones, one with XXXX and one with XXXX and its now in collections with XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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

I am disputing an account that is falsely being reported on my Equifax credit report. The account belongs to XXXX, and it is not mine. I have never had any financial relationship with XXXX, nor have I ever opened an account with them. 

I previously disputed this fraudulent account with Equifax, and instead of removing it, they only marked it as closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting false and unverified information. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation and remove the inaccurate information if it can not be verified. I am demanding immediate deletion of this account from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I need help with my credit please I have been trying to reach out to XXXX, XXXX and Equifax and I can't even get thru to anyone on the phone. It all started in 2022 when I was trying to get a loan, and I got denied for my credit that I never use. So, I pulled my report, and I saw a lot of addresses and phone numbers my names were all over the place. I have been sent personal information update letters and it was all 3 bureaus never sent me anything. So, I started the process in XXXX XXXX and I restarted it all over again by sending disputer letters everything that I can think of. I can't even I identify Myself something is wrong. but I am the real XXXX. How can someone just take over my credit and I can't do nothing about it. Oh and they inquiries is thru the roof
Product: Checking or savings account

opened account with promise of bonus interest. When I called to check on when it would be awarded they said didn't meet terms of XXXX direct deposits within XXXX XXXX, which I took to be XXXX XXXX ... they said it was XXXX XXXX - had me screen shot my social security page with my name and the date of the change and I also forwarded the email sent from social security with the same date I opened the account. Now they say it doesn't show what account I changed it to so not qualified..So basically social security doesn't count unless XXXX screen shots the original request.
Product: Debt collection

In XX/XX/2018, I submitted a letter to Ability Recovery Services LLC, offering full payment with conditions to be met ( See attachments ). The company agreed to the conditions and an agreement was entered into. I submitted full payment, however, the company did not honor its end of the signed and dated agreement in regards to XXXX. I have attempted to contact the company on two separate occasions after I submitted full payment via certified mail, which the company received each post-followup letter. However, the company has continued to ignore my letters and to the date of this complaint has refused to honor the agreement. I am making this complaint as one of the advisable options prior to any elevation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day  reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Product: Credit card or prepaid card

Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.
Product: Debt collection

This account was removed from my credit due to identity theft. Now it's back reporting from a different company. CFBP already investigated this matter.