23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent notice to stop communication regarding multiple debts to cease and desist. Company failed to respond. Portfolio is reporting multiple accounts on my credit report for over four years that I do not owe. I have never had an account them or the alleged original creditor.
Product: Student loan

I started the process of XXXX loan forgiveness through Mohela earlier this year. I contacted Mohela and spoke with a rep on more than one occasion regarding next steps and specifically inquired about consolidation. Each time I was advised that I should NOT consolidate any loans as XXXX loans would be eligible for forgiveness with over XXXX payments, but the other loans did not yet qualify. They advised that my payment counts would reset and I would not receive any forgiveness. This was completely inaccurate as I later learned that if I consolidate prior to the end of 2023 the highest payment count would be applied to the new consolidation loan. As soon as I learned this I reached back out to start the consolidation process. StudentAid.gov rep assured me that consolidation would be approved sooner than XXXX forgiveness. I was NOT informed that I could request to have those XXXX loans not included in forgiveness consideration in order to insure that the consolidation processed. Instead the XXXX loans were forgiven just a few days before the consolidation processed. This mistake leaves me with over {$92000.00} in loans that should have been eligible for forgiveness through the current rules. I have spent countless hours on phones calls with Mohela ( XXXX plus hour wait times, disconnected multiple times ) and AidVantage with no help. I have sent emails that have been closed with no response other than we see that you have called previously and will assume this issue has been addressed. I am a XXXX XXXX dealing with a XXXX diagnosis. I rightfully have earned XXXX forgiveness through over 10 years of service at a nonprofit, and all loans should be included. Mohela is deceptively giving out inaccurate information, resulting in loans not receiving appropriate forgiveness which then results in them continuing to collect on ridiculously high interest rates. I do not believe it is a coincidence that the XXXX was processed a few short days before the consolidation was approved. This needs to be investigated and corrected. I will continue to fight having to repay any more on these loans that should have been forgiven fully. 

XXXX XXXX
Product: Debt collection

Predatory Debt Collector refuses to state when Statute of Limitations on my debt expires. Company clearly, as shown in attached documents, altered dates and added a " phantom '' repayment unsupported by their primary documents to add a year onto repayment term so that they could avoid Statute of Limitations for Student Loan debt, which was set to expire only a few months after their purchase of alleged debt from XXXX  XXXX XXXX. Used falsified dates to create legal documents for another debt collector to pursue legal action against me and my father.
Product: Debt collection

I have been receiving on average 15 calls a day from a number XXXX, which is a company called Diversified Consultants. I finally answered to see who was calling. The person stated only my first name and said they did not need to state my last. They informed me I owed XXXX for a XXXX XXXX XXXX bill. I informed them that I have never had an account with XXXX  XXXX or XXXX, and the only time I lived in a region that may have offered that service was in XX/XX/XXXX,  although I know I selected XXXX XXXX and I had paid all of those bills. They stated no matter they wanted my SS # and Banking Information to resolve the issue. I stated it is not my debt and if by pure chance I did have an account with them in XX/XX/XXXX, I filed BK in XX/XX/XXXX so it would have be captured during that process, which was completed in XXXX, TX. 
They stated they wanted to be paid, I asked for them to verify the date of service, and to mail me verification of debt, which they hung up. I continue to get calls from this place, they have stated on another call that they will start placing credit reporting on other accounts ( do n't know of what that means ) on my credit report unless I agree to pay the 900 plus fees. I blocked the number as of now since they continue to call.
Product: Mortgage

On XX/XX/year> I bought the house 30 yr mortgage for less than XXXX. To this day I still owe more than XXXX. I did some loan modifications and some times we're going through financial hardship when my husband suffered a XXXX and recently a XXXX XXXX that I missed payments. I was just wondering why it seems my payments didn't make a dent on my mortgage. 
Thank you very much for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information stays private which is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " The XXXX  XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent or permission to appoint or furnish this information additionally they do not have my written consent. Any and all consent to XXXX, XXXX, Trans union and XXXX XXXX  XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX  XXXX XXXX, Transunion, XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an unfavorable item which they are reporting again without my permission this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXXXXXX, Transunion, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and my AMEX account with the account number XXXX is still being displayed on my credit report despite the fact that it has surpassed the 7 year statute of limitations. This must be removed because of the illegal practices that has been made. I've already sent dispute letters to both the Credit Bureaus and AMEX and up until now there was no resolution that occured, Kindly take action to address this matter.
Product: Credit card or prepaid card

I lost my card over the new year. On XX/XX/XXXX I saw an unauthorized charge of {$1100.00} on my account. I called the credit card company to file a lost/stolen card and disputed the charge. The company closed my account and issued a new card for me. The charge was taken off 3 days later. However, on XX/XX/XXXX the same charge appeared on my account again. I called the company again and try to find out what happened. Their investigation team determined that the transaction was valid, disregarding my statement that I did not have the card in my possession at the time of this transaction happened, I did not know anything about this transaction. I had to call numerous time for them to take any action on this matter, they were rude and condescending. Finally, they reopen the claim and issued a chargeback, however, they are not willing to further help and protect my right as their customer, I may get rebill again on this unauthorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to make corrections to the personal information reporting on my Equifax credit report. There are several addresses that do not relate to me. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Any other address does not relate to me and should be permanently deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint # XXXX Transunion has not responded within 30 days. By law Transunion is required to complete their investigation within 30 days or delete the account. The account XXXX XXXX XXXX should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently sent disputes to XXXX, XXXX, and Experian regarding inaccurate information being reported on my credit report. While the credit bureaus have stated that the Account Name and Account Number were properly investigated, I find this conclusion unacceptable as the Open Date, Date Last Active, and Date Last Reported are all inaccurate. This discrepancy is grounds for the removal of these accounts from my credit report.

Moreover, my rights under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) have been violated. The law explicitly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written permission for these accounts to be reported on my credit file.

Given these violations, I request the immediate removal of these accounts from my credit report. I expect prompt action to correct these errors and ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

About XXXX weeks ago I was told by Capital One bank I needed to replace my credit card. They did replace it. But on credit reports they listed the replacement card as if it were a new application, not as a new number on the existing card. 
Whenever a new credit card ( different company, different number ) is issued the credit card bureaus decrease your XXXX XXXX which lasts up to XXXX XXXX 
When Capital One issued a replacement card only the number changed, but they listed it as from a new application, as a new account. This type of listing meant I lost XXXX points at the credit bureau because of an application for additional credit. 
It was NOT a new application at all. 
I called them and they would not or were unwilling to remove this type of listing from the credit bureaus. They did not seem to care or even acknowledge this was their error and that the decrease in my XXXX XXXX mattered to me. 
When I called, they did not make the corrections at the XXXX credit bureaus. 
In essence this is an egregious error which has caused me harm.
Product: Credit reporting or other personal consumer reports

Errors were placed on credit report. FICO score before errors were XXXX - XXXX on the XXXX bureaus with Financial Aid negative report. 

Errors were corrected and false reports were removed but FICO scores were not corrected, FICO scores plummeted. In fact, I requested FICO score be corrected in writing with every contact FICO scores decreased XXXX times. The FICO scores only plummeted. 

With every request to correct FICO score FICO scores plunged. Now with only positive payment history FICO score is XXXX from XXXX - XXXX. With only on time payments and false negative reports removed from credit reports. 

Only positive payments have been reported to all bureaus. FICO scores should increase not decrease. This is fundamental logic and reasoning. FICO scores should not plunge with positive payment history and erroneous negative reports removed. 

Financial aid was on account with score of XXXX - XXXX. 

What I have learned in my wisdom is that if someone is complaining often and are upset if you only listen ; 90 percent of the time that individual has a very valid point and is rightfully upset. 

Please do not minimize my complaint based on the amount of complaints I have submitted. This is by design. Financial theft, abuse and loss is happening to certain demographics that institutions are banking on those individuals not being heard. 

Thank you for all you do,
Product: Debt collection

I want PHEAA to provide the accounting/breakdown of how they determined the XXXX  / tuition reimbursement debt to come to {$4900.00} + 20 % tax, along with proof of their alleged repayment plan per CFPB complaint XXXX. 

I.e., I want to see the actual dollar amount on the total hours used to pay for tuition, and I want to see this fake repayment plan. 

I've experienced refusal & backlash by PHEAA when trying to get this information. 

( pheaa also goes by : pheaa pa higher education assistance agency pennsylvania higher education assistance agency, american education assistance agency aes, fedloan servicing fls ).
Product: Credit card or prepaid card

Dear Sirs, I think the Bank of the West Credit Card Service is deliberately trying to prevent me from using the cards : 1 ) Payments made won't show as available funds : I have made XXXX payments on XX/XX/22 & XX/XX/22, and none of them show available funds as of today. My available balance stays as {$8.00} for the past 14 days. 

2 ) Payment made has no record of it : I have tried to make a XXXX payment since, and there is simply no record of it. 

3 ) It blocks access from making payments : As of XXXX, it shows I have a current balance of {$170.00} on the web portal in the past 10 days, and I have been trying the make a payment for this balance but it won't let me make a payment of any amounts, it simply won't go through. 

Please resolve this with Bank of the West ASAP, and provide an update. I am a very determined person and will not stop until this is resolved. 

Thank you for your attention to this matter and all the kind help. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a joint checking account with my wife for 3 years. I need a copy of my statements for a government agency. They are demanding I come into a branch location to obtain this data. There are no branch locations in my state. They refuse to accommodate me in another way that is actually possible for me to obtain my records.
Product: Credit reporting or other personal consumer reports

My identity was stolen my XXXX XXXX  was stolen from me off of a direct express card I found out for sure that he did this while I was in a hospital getting help. They used my social security card n drivers liscense to change my PIN number and then they could go to atm and draw the XXXX $ I had left in ther out. I was in there XXXX XXXX in XX/XX/XXXX now I left from here after they stole my cards and info onXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX my auto payment of {$350.00} was deducted from my checking account with XXXX XXXX XXXX. As of XX/XX/XXXX my MOHELA account is showing a past due balance and my XXXX payment was never posted to my MOHELA account. 

I sent an email to MOHELA on XX/XX/XXXX making them aware of the situation through my account portal. As this has happened just a few months ago I decided to escalate my situation by submitting a complaint as that was the only way to get a resolution.
Product: Prepaid card

XXXX XX/XX/2023 XXXX transaction of XXXX was transferred to a XXXX XXXX XXXX, I reported to the XXXX XXXX banking about this unauthorized transferred, they asked to submit a fraud claims which I did with asked info proving that this transaction was not of my doin, all information they asked I submitted ip address, locations, login dates address of where of my location on said date of the transaction and none matches the info which there whole cases is based on.After clearing all information on the basis of why my claim was denied they keep coming up with more reasons and requests for Info upon giving alll sufficient evidence they asked for XXXX proving there cases has no valid proof.
Product: Debt collection

Portfolio Recovery repeatedly calls me daily from different area codes and phone numbers harassing me to pay a debt collection. I have advised to be removed from their do not call list and they still repeatedly call back to back from different numbers daily.
Product: Credit card or prepaid card

I placed {$150.00} credit on XX/XX/2022 at XXXX in XXXX XXXX, CA on Vanilla Visa Gift Card Gift card gifted to my daughter Daughter unable to use it She called the XXXX company and they said the card was blocked. 

Mentioned that the card has been used by another user. Would take 90 DAYS to investigate, no direct way of receiving my money back! 

This seems to happen a lot with this company according to research -may be the company itself disguises- through a scammer. Asked for a lot of personal information to make a " dispute '' to get my money back and would need to send a copy of the government ID?! Smells like identity theft coming for me too. This is an awful company and needs to be shut down!
Product: Debt collection

XXXX/XXXX  MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX  XXXX agent and XXXX XXXX  representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX  on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.
Product: Credit reporting or other personal consumer reports

I tried to contact Experian a few times within the last few weeks to speak with them regarding hard inquiries on my report. I have also sent in dispute letters disputing these hard inquiries and I have not heard any reply back from the company and the items remain on my credit report. 

Please delete these from my account 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: Mortgage

My agent submitted the short sale package and it was deemed complete, however we can not get them to order the XXXX. My agent has called repeatedly, the servicer which is SLS has continued to blame the problem on XXXX XXXX. We have called XXXX XXXX, and this is a lie. XXXX  has received NO request for XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I hope you're in good health and feeling great! 

I requested for XXXX XXXX XXXX XXXX XXXX to report the perfect loan history to Experian and have also requested Experian to update their reports with the information that XXXX and XXXX are reporting but both TTCU and Experian are negligent. 

With both XXXX XXXX XXXX XXXX XXXX and Experian acting in bad faith, I'm unable to benefit from my demonstration of being a responsible consumer who can manage debt perfectly. XXXX and XXXX have no problems reporting the accurate information, so there's no excuse for Experian to not update the loans from XXXX XXXX XXXX XXXX XXXX as well. I've spent more than XXXX hours on the phone with both entities collectively and both refuse to cooperate. Also, I've sent XXXX written request to both entities. 

They are both in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

There is no choice but to resolve this by Experian and XXXX XXXX XXXX XXXX XXXX updating Experian with the XXXX perfect histories of both loans. 

Please investigate and enforce the laws, rules, and regulations on both parties, please, and have a beautiful day! 

Kindest Regards, XXXX XXXX