23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

they refuse to give me a collection forbearance until my consolidation loans go through
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame.
Product: Checking or savings account

XX/XX/XXXX Opened account. No initial monies deposited because Morgan Stanley has a policy to freeze money on opening new accounts until supporting documents. They state this is to prevent fraud and due to unusual activity, but opening an account is unusual activity. 
XXXX Provided multiple documents in multiple formats and confirmed that all required documents received. 
XX/XX/XXXX Confirmed that all documents received and account opened and available. Transferred money in, since I had received multiple notices that the account would be terminated if not funded in first 30 days and numerous documents provided. I did not want to start over. 
XX/XX/XXXX Freeze placed on funds and additional documents requested. 
XX/XX/XXXX I requested to undo the transfer and give up on opening the account. I spoke to multiple agents who all said that XXXX was the only XXXX who could do it. I requested that XXXX get request. Followed up with XXXX. He can not undo it, but will work on it. 
XX/XX/XXXX Followed up with another agent. XXXX is not available, but XXXX isn't able to do it. He has emailed the only person who is able to undo locks. Unfortunately Mogran Stanley or this individual has placed so many locks that the person has not had a chance to read the email request. 
XX/XX/XXXX Still locked and too busy to undo process. Money remains unavailable to everyone except unlocker.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240000.00}
Product: Credit reporting or other personal consumer reports

I think someone at Equifax is being malicious. All of a sudden Equifax is listing my name as XXXX XXXX or XXXX XXXX XXXX. I have been DIVORCED since XXXX  my ex husband is currently married to XXXX XXXX! My ex husband has been married Twice since our divorce! 

That USE to be my name I currently go by my MAIDEN name XXXX. 

There may be an employee intentionally putting the wrong name in fact after I uploaded my documents verifying my current name they referred to me as XXXX XXXX  XXXX Its rather irritating! 

When I lived at the addresses they listed. I did NOT list my name as XXXX I listed it as XXXX XXXX XXXX XXXX I uploaded pictures of my Drivers License AND my SSN card but its not Equifax business to know what was in my Divorce Decree They need to DROP the XXXX from my last name, I dont mind if its listed in my HISTORY but my current name is XXXX
Product: Debt collection

I received notification from credit karma that an account in my name was in collections. I have no idea what this account is. It says {$150.00} is in collections by TRANSWORLD SYSTEMS INC, with an originator called XXXX XXXX XXXX for disaster relief from XX/XX/2021. I have been working in California as a XXXX and have no idea what this is. My credit score is wrecked.
Product: Student loan

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the discharge of all my student loans due to XXXX  's misleading practices, misrepresentation, and failure to provide accurate and timely information regarding my repayment options. Throughout the life of my loan, XXXX  misinformed me by discouraging me from enrolling in an Income-Driven Repayment ( IDR ) plan, even though I was eligible. Had I been properly informed of the IDR option earlier, I could have made more affordable payments, and potentially qualified for forgiveness much sooner. Instead, XXXX  repeatedly pushed me into forbearance and deferment, which caused my loan balance to balloon due to capitalized interest, significantly increasing my debt. 

This mishandling of my loan has caused me severe financial strain, hardship, and emotional distress. It has negatively impacted my mental health, leading to XXXX and significant relationship strain, as well as difficulties with child care. I have also experienced feelings of sadness and envy toward those whose families could afford tuition, while I have been burdened by an ever-growing loan balance that I have struggled to repay. XXXX  's actions have made the entire student loan process unnecessarily complicated and stressful, and their lack of support or guidance during this time has been unconscionable. 

As a XXXX  for the past 25 years, I have dedicated my career to helping others, including working with underserved populations and for nonprofit organizations. I have been eligible for the Public Service Loan Forgiveness ( PSLF ) program, especially given my service during the COVID-19 pandemic, when I was forced to care for COVID XXXX  due to my commitment to saving and improving lives. Despite my dedication to serving others, XXXX  's actions have exacerbated my financial difficulties, and I believe I am entitled to have my loans completely discharged due to their gross mismanagement and neglect. 

I respectfully request that the CFPB take immediate action to investigate these practices and work towards the full discharge of my student loans. The stress and suffering I have endured as a result of XXXX actions have been unacceptable, and I am seeking resolution and relief. 
THANK YOU FOR CONSIDERATION REGARDING MY REQUEST FOR RESOLUTION REGARDING THAT MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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

Dear DEPT OF ED/AIDVANTAGE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, requesting the investigation, verification and deletion of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items : items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, must be deleted to reflect accurate information on my Credit File.
Product: Debt collection

I missed 2 months payment on a XXXX credit card owned by Synchrony Bank. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from Synchrony who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of XXXX XXXX XXXX, XXXX. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to Synchrony Bank and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. XXXX amounts were to be paid weekly but payment information was never sent for either.
Product: Debt collection

Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX 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.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all XXXX credit bureaus TransUnion, XXXX, & XXXX.
Product: Credit reporting or other personal consumer reports

I disputed my name and birthdate with the big 3 CRAs, they havent updated my name or marked it as disputed.
Product: Checking or savings account

PayPal credit through synchrony bank I have been disputing several transactions for over XXXX year and I had XXXX accounts with them XXXX XXXX that got hit with the same transactions on both account they fixed the mascara account and its still open and at XXXX balance that I owe them they have closed and transferred account because someone was getting into the account and charging XXXX XXXX and a whole bunch of streaming account that I do not have and also wire transfers to XXXX that I never did and didnt know anything about until I went through the dispute process I have called each and every person at which they gave me information for trying to figure out how I was charged for these transactions and they have no account or no record of this account being charged for thissome of these transactions have no phone number to contact or email information online for clearly they are fraud companies or not ligit because I cant even find them online.not paying this account because I know the account is mine the charges are not mine and are not linked to me in anyway ..the balance in XX/XX/year> on that statement was correct and then all I have is all these balance transfers and no clue where they came from
Product: Money transfers

On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

DRIVEWAY FINANCE CORPORATION FINANCED MY CAR & THE LOAN AND INTEREST {$37000.00}. FOR EACH MONTH I PAID MORE THE AMOUNT REQUIRED. THE CURRENT PRINCIPAL AS OF XX/XX/year> PER BILLING STATEMENT WAS {$31000.00}. HOWEVER, FORM XX/XX/year> TO XX/XX/year>, PRINCIPAL BALANCE WAS OMMITED FROM STATEMENT AND ONLY THE AMOUNT FINANCED OF {$37000.00} WAS SHOWN. I NOTICED XXXX XXXX XXXX PRINCIPAL BALANCE ON A BILL DATED XX/XX/year> AND SENT A REQUEST LETTER TO THE ACCOUNT ACCOUNT ACCOUNT XXXX TO CORRECT THE MISTAKE/ERROR. PER XXXX XXXX, THE LETTER WAS DILEVERED ON XX/XX/year> AT XXXX XXXX. I GOT A BILLING STATEMENT DATED XX/XX/year>, DRIVEWAY FINCANCE COPORATION FAILED TO CORRECT THE MISTAKE AND IGNORED MY REQUEST. NO XX/XX/year>, I ATTACHED A COPY OF THE REQUEST TO A LETTER I SENT TO CEO, XXXX XXXX AND IN MY LETTER, I REQUESTED THE CEO TO HAVE THE MISTAKE/ERROR CORRECTED. USPS TRACKING SHOWED THE LETTER WAS DELIVERED NO XX/XX/year> AT XXXX XXXX THE BILLING STATEMENT I RECEIVED DATED XX/XX/year> SHOWS NO CURRECTION