23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

While attending the University of XXXX, in XXXX, I was forced to take a leave of absence due to a major family tragedy. Before leaving, I made sure to pay every dollar of every loan I took, so that my balance was XXXX. Two years later, I attempted to go back in order to complete my degree, in the fall of XXXX. Financial aid was now much harder, I had no choice but to take out approximately {$14000.00} for my first year- a combination of Federal ( Stafford , Perrkins ) and private ( Citi Assist ). As, I did not have financial support from home, after two semesters back in school, I realized that I could not afford to finish my degree. I was not able to focus on my studies with the stress of needing to buy food and worrying about not having a place to sleep. Therefore, once again, with no other option, I left XXXX for good, in XXXX XXXX, giving up on the dream of finishing my education to financial hardship. Not only was I not able to complete my degree, but I now had {$14000.00} debt over my head. I was sad to be forced out of school after trying so hard, but I had no choice. I took on three jobs, at time four jobs, and began paying off my debt with any money I had left after paying basic living expenses. I worked 24/7 to pay off my new college debt, and for the first 5 years knocked down my debt from {$14000.00} to approx {$8000.00} in various Citi Assist loans. When I struggled to make payments, my debt was transferred to a collection agency. I begged for help but they wouldn't budge. Finally, I managed to to reach a settlement and consolidate ALL OF MY LOANS INTO ONE LOAN, in the summer of XXXX. which I paid off in blood sweat and tears, bringing my balance down to XXXX. To my horror, despite having PAID MY LOAN IN FULL, my credit report reflects that there is still some Citi Loan. This is a brutal mistake, as everything has been paid already. I have records of this, and I received a letter stating " I paid ALL of my citi loans ''. I am desperately looking for my old hard drive from 7 years ago to find these documents. 
I can not begin to describe how unjust, unfair, inhuman, and cruel it is that after everything I've been through, and having working harder than anyone can imagine, and having paid all my debt in full, there still appears to be a debt on my credit report, which has caused me more damage than I ever explain. 
I plead with you to look into this matter and see how cruel and unusual this is.
Product: Credit reporting or other personal consumer reports

XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions santander consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Originally I asked for it to be removed from my report because of FERPA violations and privacy act of 1974 violations. However upon further research I defaulted on this loan over 13 years ago. It should only be reporting for XXXX my complete credit report Is incorrect as it says paid as agreed and current. I've never made a payment. This is destroying my life as my utilization is thru the roof. I believe navient which originally was my servicer cancelled out the debt before XXXX took over. I would have to foia financial records to be positive, but I could bet my right XXXX on it. ( Odds are more than favorable if I'm betting on my XXXX )! None the less it's been 40 days since company said they were going to respond. 43 from the day I sent it. Um Get it off. Considering how detrimental his has been to my credit, my life and family plus the willful non compliance would actually be a blessing for me. Proceed as you wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my home was burglarized and all copies of my three children 's social security cards and birth certificates were stolen. We have a police report. 

After speaking with TransUnion over the phone on XX/XX/2022, I was able to put a freeze on my social security number. However, I was informed I needed to send in a copy of each of my children 's social security cards, birth certificates, and a copy of my driver 's license. 

After replacing my children 's social security cards and birth certificates, on XX/XX/2022, I mailed in a copy of each along with a copy of my driver 's license and a cover letter ( cover letter stated the purpose ( The minors need to add protection for their identities ( protected consumer freeze ), each child 's full name, birth date and file number, a list of contents included in the packet ( copies of all three social security cards and birth certificates, a copy of my ( legal guardian 's ) driver 's license, my home address and phone number. 

I mailed the documents TransUnion requested to place the protected consumer freeze on my children 's accounts to XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/XXXX, I received three letters stating my request was unable to be processed due to missing required documents. 

After countless multiple phone calls over multiple days, hours and hours on the phone, speaking to many different TransUnion representatives this is the summary of those phone calls... 

They claimed they did not receive my documents. HOWEVER- Several representatives said they were looking at the copy of my driver 's license and cover letter which was included in the packet of documents I mailed. Obviously, they received the documents!!! The representatives are demanding we send MORE copies of the very documents ( social security cards and birth certificates ) to them again. It is not safe to send more copies of these documents. 

Where are the copies of the social security cards and birth certificates I sent to them on XX/XX/XXXX???? 

What do I need to do in order to get the protected consumer freeze applied to my minor children 's social security numbers??? 

This company is doing everything they can to NOT place the freeze on their accounts. 

I have requested a physical address to visit and bring in the requested documents in person, but am told that is not possible. 

Please help protect my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

PayPal blocked my account for no reason and will not help me with getting it back. 

It has to be a mistake since I didn't violate any of their rules. I have not been able to get help from them. They simply won't tell me what the reason is, they don't reply to emails and they are holding my money. 

I'm filing this complain because I feel they are not doing their job properly and it is affecting me. I have been a costumer for more than 12 years and for no reason they are treating me like that. If they don't want to do business with me that's alright, but they are holding my money. 

XXXX XXXX My account : XXXX Thanks for you help.
Product: Consumer Loan

I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off
Product: Credit card or prepaid card

I had two cash reward credit cards with Bank of America. Account numbers XXXX and XXXX. On each one they approved me a credit limit of {$12000.00} so I have excellent credit history. These two credit card I have been using for my everyday purchases so they have good cash back programs. I used these credit cards for several years and always paid them on time so they raised my credit limits to {$25000.00}. I was collecting my cash back rewards so I could get some vacation for my family for this coming summer. Last week I was trying to use my card ending in XXXX at XXXX gas station and it declined the purchase. I have called them and spoke with a representative XXXX. She was very vary rude to me and says that they resided to close my account because I did some irregular transaction. I asked about my cash reward balance and she told me that all my cash rewards got lost so they are not going to give it to me. I am checking my last six months history and I did my use my card at any other places that I am using always ( gas stations, restaurants and construction stores ). She also informed me that they put me on their XXXX list so they don't want to have relationship with me. Couple of months ago they automatically raised my credit limit because I am very responsible person and they see all my transactions and my credit history. Also besides closing my accounts they even blocked all my cash rewards they I have earned for all these long period of time. Please tell them to show you my whole transactions so you will see that all my transaction were done 99 % from same stores and nothing was irregular. I have enclosed copy of their letters that I have received yesterday.
Product: Mortgage

I have a XXXX owned, Bank of America serviced home loan. My home is still 'under water '. Is n't it the case that Bank of America was recently required to reduce principal values on homes that were purchased/financed via sub-prime loans? Am I eligible to receive such a principal reduction on my home loan?
Product: Mortgage

Our mortgage company 's loss/draft department are solely to blame for our issue. Not the insurance company or the VA. We had a catastrophic loss of our home and we have cooperated with everything they have asked, but they do not give us the funds we need and have paid out of pocket and taken from our retirement savings, at a heavy tax levied against us, and our personal savings. We had difficulty getting a contractor to over see the work. Our last contractor did nothing for 8 months. Nothing. So we became our own general contractor and got our permits and hired the sub contractors. I am attaching some of the emails we have written. So far we have asked for reimbursement from two contractors for the final completion of the exterior of the house and the excavation company that worked to remove the old burned house and dig/fill utility trenches, and prepare the ground for radon barrier and concrete pour. They did reimburse at least once for our underground plumbing work and the builder completing the outer shell of the house. We have been waiting for 4 weeks for them to pay the final bill to that company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX  days of the enactment of the XXXX XXXX  XXXX Section XXXX is effective XXXX  days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V )
Product: Debt collection

I tried to dispute debt with Portfolio Recovery Associates, LLC by requesting debt validation. A bill is not validation. I just did my initial complaint with CFPB for them to validate debt. They did not validation debt, they just send bills like previous request. I am looking for debt validation of alleged debt not bills. I did not receive the initial notification on XX/XX/XXXX. I received that notification with bills. I sent request on XX/XX/XXXX and XX/XX/XXXX for debt validation of the below items but they continue to send bills and not validation information. 

-Proof of your right to own/collect this alleged debt in Maryland XXXXContract bearing my personal signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with  XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX .     My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve wit h Early Warning Services ,   XXXX   XXXX  , and no luck.      XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
Product: Credit reporting or other personal consumer reports

I have an account negatively reporting on my credit report that Chase Bank has proven is not mine! I filed a compliant last month regarding this issue requesting VALIDATION. The response confirmed the false information by citing a completely different account number than the one referenced in my compliant.
Product: Debt collection

XX/XX/2020 XXXX  dispute department Account Number XXXX To whom it may concern : I started to work with XXXXXXXX XXXX XXXX   over ten years ago on Tax reduction of two rental, we owned in Texas. Very nice company to work with, till this came up. 
SInce our plans changed, we decided to sell the properties. 
A year before we sell the properties I called them and informed them by phone to stop the tax reduction process. However, for whatever reason that Tax reduction continued and we received the statement, even when we sold the property. I informed them again by phone, if agreeable I will prorate them up to the point we owned the properties, Did not hear anything till, I check my credit score. Some XXXX dollars now is {$1300.00}. I agree to pay them still to what I proposed without extra penalties, although there is an error in their bookings and communication. Since I informed them, legally I do not own them any amount. 


Phoenix recovery group is miss representing the facts, because We did not borrow any money from them, to report it as loan. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX SERVICES XXXX
Product: Student loan

On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.
Product: Debt collection

I first spoke with FCO ( Fair Collections & outsourcing INC ) on XX/XX/2023 regarding a debt that has been placed in there office with XXXX XXXX, at that time i spoke with XXXX, XXXX did not verify that she was speaking with the correct party. Per the FDCPA Section 1692c ( b ) debt collectors are required to verify they are speaking with the correct party before moving froward with the phone call. On that day i also spoke with manger XXXX, she stated they will investigate the phone call i had with agent XXXX. I did advised XXXX i was going to follow up in one week, to check the status of the investigation. I made a follow up call on XX/XX/2023 to check the status of the investigation. I spoke with XXXX and she advised that there was no conclusion and she will escalate this matter to there Quality assurance department. I then Followed up on XX/XX/2023, i spoke with agent XXXX XXXX, who also violated my rights covered under section 1692c ( b ) of the FDCPA. XXXX failed to Verify she was speaking with the correct party, while disclosing personal information regarding my debt. On that same phone call, agent XXXX XXXX also violated my rights covered under Section 1006.14 ( a ) of the FDCPA, which states " A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ". On XXXX/XXXXXXXX XXXX was over talking and speaking very aggressively to me in a manner that caused great discomfort, and felt very abusive. I am requesting for this account to be removed off my credit report, as the company that is doing the reporting is not protecting my rights as a consumer.
Product: Student loan

I discovered Navient has possibly sold my loan to another servicer by checking experian. I have not received any notice this was taking place and now I don't know how to register for the IBR by  XX/XX/XXXX. I did receive my quarterly interest statement this week ; however, no information about the new servicer and how to register for the IBR. This stresses me out! I'm struggling! Also, I was under the impression that a college education would put me in a better place financially. I graduated on the XXXX 's list and have never held a job pertaining to the XXXX XXXX degree. It's frustrating that I graduated in XXXX and couldn't earn enough to even generate enough income to pay on a student loan until XXXX and have to choose between eating, paying for my broken wrist, follow up treatment for XXXX, treatment for XXXX XXXX or paying for student loans. I STILL can't even afford to insure a car. I'm a single parent of XXXX adult children and with all of these issues, I don't dare marry. Housing expenses have climbed for everyone. I cohabitate with my son who struggles also.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I applied to Cashnet USA for a loan after they solicited me through the mail. The loan was approved for XXXX and was deposited to my bank account on XX/XX/2023. The payment schedule is for XXXX beginning XX/XX/2023. 
This schedule was available for my viewing after I signed the contract. Once I noticed the first payment due date, I called and spoke to a representative to say the loan was only received into my bank account of XX/XX/2023 and that XXXX payment should not be for that amount because it would not have been for a full month and that it would have been only twelve ( 12 days ) in the month. The representative did change the date from XX/XX/2023 to XX/XX/2023. On XX/XX/2023 I checked my bank account and they had submitted two ( 2 ) separate debits for XXXX each which caused my account to be overdrawn. I assumed when the representative said she would be changing the due date, it would be only one ( 1 ) withdrawal for that amount. I called them on XX/XX/2023 to complain about the double dipping and didn't get any solution. The rep stated that I should have read the schedule which I did and called them right after I saw the initial schedule. I asked her how could they charge me for an entire month for XXXX the same as all other months but she kept giving me excuses one of which they extended the date and I tried to tell her the representative did not explain there would be two payments coming out on XX/XX/XXXX. I would like to get help with that XXXX payment and have that money refunded and this is why I writing to you.