23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> : I was expecting my direct deposit biweekly pay of {$1400.00}. 
It was posted to my bank account, but the funds were not available. 
I assumed that the only organizations that could garnish the entirety of my paycheck would be XXXX ( Child Support ) or the IRS. 
I suspected child support arrears that were technically owed by me, but forgiven by my children 's mother were garnished, I contacted XXXX and found this was not the case. 
I then suspected that it was the IRS and I had maybe owed taxes and made an error when filing taxes. I contacted IRS and found that it was not the IRS. 
by the time I was able to confirm these were not the source of the garnishment, my next payday rolled around, and yet another entire paycheck was garnished. I am now facing financial trouble, and unable to pay my bills that are due, ( mortgage, phone bill, car insurance ) I contacted the credit union to find out source of garnishment ( should have thought of that to begin with ) I am told it was collected in behalf of Credit Acceptance Corp. By XXXX. 
I attempt to reach out to XXXX  in hopes to form payment plan and lift garnishment by phone and by email. 
Left a voicemail.

3 business days later, no response at all.

I had to get an advance from my employer and will be facing serious problems if I continue to not receive my pay, and I still have gotten no notice and no response as to these attempts to collect this debt. No mail, no phone calls, nothing.
Product: Student loan

I applied for the income driven repayment plan XXXX and applied to consolidate my XXXX loans in XX/XX/year> with XXXX. My loans appeared to be consolidated and placed on the XXXX plan after applying. However, after consolidation XXXX my loans ( XXXX XXXX  consolidated unsubsidized, amount {$65000.00} with 7.5 % interest rate ) that was listed as XXXX was placed on the standard plan in which I owed roughly $ XXXX per month while the XXXX other consolidated loans on XXXX XXXX I did not owe money as my income was below threshold to pay. 

I tried calling XXXX multiple times in XXXX, XX/XX/year> to get the XXXX loan on the XXXX plan and they recommended submitting a paper application to re-apply for the XXXX plan. I did that and after XXXX days it wasn't processed. I asked them to place me in forbearance as I didn't think it was fair that the XXXX loan required $ XXXX per month on standard while the others which were in the same class required no payment given my income at the time. They put my XXXX standard plan loan on forbearance by my request in XX/XX/year> and it technically ends XXXX XXXX. 

I kept contacting them multiple times via online chat in XX/XX/year> to try and follow up on my XXXX plan application i submitted in XX/XX/year> and they said all income-drive repayment plan processing were placed on hold due to legal actions in the courts. I accepted that. However, according the the dept of education my loans should not be accruing interest which they are. 

I tried to reason with edfinancial via online chat and they kept telling me that my loans are subject to accruing interest despite what the dept of education has communicated. 

I believe my loan should not be accruing interest since I was placed in forbearance. Could you please assist me with filing this complain and helping to instruct XXXX to put me on a forbearance plan without interest accrual? 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in X/XX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed. <P/>I am DEMANDING a copy of the application that they claim gave them my consent for this " debt protection service '' Their whole crux of this argument is that they have my consent from this application from 2007. I have not seen this proof of consent, without which they have no proof or consent from me to have enrolled me into this program. I have never consented and am again demanding a full refund of these fees.
Product: Student loan

I was able to get my student loans forgiven through the public service forgiveness program and all but 4 loans by XXXX  were forgiven. When I called them to find out why they told me because these loans were derogatory, they could not be included in the forgiveness. The representative could not provide any further information. I believe that XXXX  is just trying their best to maintain some of the loans to keep them from all being forgiven, especially before President Biden leaves office. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX  XXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

We completed a loan modification with Specialized Loan quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Product: Credit reporting or other personal consumer reports

I had XXXX as my XXXX  loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was eitheXXXX XXXX XXXX XXXX  of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the agreement/contract.
Product: Debt collection

At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX  the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. 

This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX  ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 the credit bureas the account bank of america account # XXXX was properly investigated but is tht possible if the account 1.date opened 2.last reported date 3.date last active 4.comments from bureas XXXX & XXXX ARE ALL INACCURATE.THIS IS GROUND FOR REMOVAL. 
THEY ALSO VIOLATED MY RIGHTS 15 SU.S.C. 1681 SECTION 604 A section. 2 : the law clearly states a consumer reporting agency cannt furnish a account without my written instructions. 
I have not given these agencies written permission to furnish these accounts on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( Block INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience due to personal information being available and given to undetermined supposed customer service people. And I seek appropriate redress for these violations.
Product: Debt collection

Beginning XXXX, XXXX, General Revenue Corporation began attempting to collect {$3000.00} on behalf of XXXX XXXX claiming that this was owed for the summer term of XXXX. 

I wrote them back explaining that I have never had anything to do with XXXX XXXX never taken a class or even knew of its existence and that this was likely fraud. 

General Revenue Corporation insisted they supposedly " confirmed '' their information was " accurate '' and keep asking for things like canceled checks and school withdrawal information -- from a school I never attended! This is insanely stupid. 

They persisted in requesting this even after I shared my driver 's license and a copy of the police report I filed regarding identity theft..
Product: Money transfer, virtual currency, or money service

I sent money to a lady selling tickets, she received the money and never sent me the tickets. She then proceeded to block me on communication platforms.
Product: Payday loan, title loan, or personal loan

I have identity theft and all my information was found on the dark web. My address, phone number and social security number. Im scared that my money was transferred bank account to bank account.
Product: Debt collection

This is my SECOND DISPUTE LETTER and the accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have also submitted an FTC and CFPB You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : CAINE & WEINER # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2023 I made an online order for XXXX soccer jerseys on XXXX. I also paid for expedited shipping with my order, which stated that delivery would be within 5 to 7 days. The total of my order was {$140.00} On XX/XX/2023, I sent the merchant an email asking why I still have not received my order, almost one whole month later. I did not receive a response to this email. On XX/XX/2023, I sent the merchant another email, explaining that it had been way past 2 months and I still did not receive the order. I did not get a response to this email, either. Soon after this, I filed a dispute with Citi Bank, case number XXXX. When I filed this dispute, the customer service agent told me that I was instantly going to receive a conditional credit to my account for the amount in dispute of {$140.00}. A few days later, I had checked my checking account and noticed that I did not receive the credit to my account. I called Citi Bank and they said that they do not offer conditional credit in these cases ; the previous customer service agent was uninformed, or lied. I said okay and let them process the case. On XX/XX/XXXX, I received a paper in the mail asking for more information about my case. I filled the paper out, stating all of the details about my dispute and sent the paper to the email address provided on XX/XX/2023. On XXXX XXXX I spoke to Citi Customer support to see what was the status on my case. The agent told me that my case was denied because I did not provide enough information. She said however, I can appeal the case at my nearest Citi Bank branch. She said to print the emails I sent to the merchant, as well as any proof of my purchase. I printed the XXXX emails I sent to the merchant, and the invoice that the merchant sent me. When I arrived at the branch they told me that theyre not sure why support sent me to the branch, as they have to do this over the phone with customer support. So, I had to speak to customer service about my dispute over the phone, at the branch. The workers at the branch told me I had wasted my time going there.
Product: Debt collection

There are 2 accounts in collections with a Collection agency called " Portfolio Recovery ''. 

1-One is under account number XXXX for {$440.00}. It show XXXX XXXX as the original Creditor. 

2- The second account number is XXXX for {$420.00}. It also shows XXXX XXXX XXXX  the originals creditor. 

The problem is that I am XXXX and I don't work therefore I can't apply for credit cards because I Don't have income. I I sent a dispute to the credit bureau to investigate these two accounts. The collection agency verified the debt to the credit bureau. However, when I write ti the collection agency requesting additional information and I ask them for copies of the signed contracts for those accounts, they don't bother to respond back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX  XXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT XXXX THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies contained in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681e ( b ) and 1681i ( a ). These sections mandate that credit reporting agencies maintain maximum possible accuracy of the information in consumer reports and conduct a reasonable reinvestigation of disputed information upon notice.

Inaccurate Information to Be Investigated : Account Name : LVNV Funding LLC Reported Error : Never had a contract with this company LVNV Funding The information listed above is inaccurate and does not reflect my true credit history.

Please conduct a thorough reinvestigation of the disputed information under 1681i ( a ).

Correction or Deletion : If the information can not be verified as accurate, I request that it be deleted from my credit file as required under 1681i ( a ) ( 5 ).

Once the investigation is complete, I request that you notify me of the results and provide an updated copy of my credit report.

Under U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy in my report. I urge you to verify that your systems comply with this standard to prevent future inaccuracies.

I expect a response within 30 days of your receipt of this letter, as mandated by the FCRA.

Thank you for your prompt attention to this matter. I trust you will address this issue in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX continue to collect and list XXXX different collection accounts on my credit report which are not mine.Theere is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.
Product: Credit card or prepaid card

My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!