23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX/ XXXX XXXX {$2100.00} XXXX XXXX / # XXXX {$660.00} XXXX XXXX XXXX # XXXX {$87.00} XXXX XXXX / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Student loan

I am a full-time, XXXX XXXX at the University of Minnesota -- XXXX XXXX . My loan servicer ( Aidvantage ) can not seem to place my XXXX loans in in-school deferment. Even though I was told by the US Department of Education, the University of Minnesota, and my loan servicer that this notification would occur automatically through a national clearing house, it has not. I first submitted documentation of my student status to Aidvantage on or around XX/XX/XXXX ( the University of Minnesota had faxed separate documentation around two weeks prior to this ). Nothing was updated and the website said I owed a full payment of {$890.00} that month. I then applied for a income-driven repayment plan, thinking I could at least lower that amount while I waited for the in-school deferment to be put in place. Alas, the income-driven repayment plan application was also not swiftly processed. I ended up having to make a full payment of {$890.00} on XX/XX/XXXX, to prevent a past-due notice from occurring. I then spoke to an Aidvantage associate around this time, who placed my account in an administrative forbearance while the issue was fixed. The remainder of quarter four passed by with no problem. 

Then, on XX/XX/XXXX, I was notified that my income-driven repayment plan application had been approved. This somehow must have removed me from the administrative forbearance, because the notice stated that I now owed {$250.00} ... due two days later on XX/XX/XXXX. I promptly re-prepared my application for in-school deferment and documentation of my full-time, degree-seeking status. I submitted these documents through Aidvantage 's website. I received an auto-reply message similar to the one I received in XXXX, XXXX, which was never honored. I therefore decided to brave the lengthy queue and call Aidvantage once again. I spoke with another associate that same day, XX/XX/XXXX, who saw all the documentation I have described here. He asked for my date of enrollment and my expected graduation date, which I duly told him. He then said my deferment request would be processed. I asked about the upcoming payment due. He stated he would place my account once again into administrative forbearance so I would not have to make this payment. I took him at his word. Imagine my surprise to see on my account today that the administrative forbearance was not placed on my account, that all my loans have past-due notices, and that I owe for both XXXX and XXXX, XXXX, on my next due date of XX/XX/XXXX, a total of {$510.00}. 

Below, I have attached all of the official correspondence I have received from Aidvantage during this timeframe. 

I would like to stress here that I am not requesting loan forgiveness here. I am simply requesting the in-school deferment to which I am entitled and which has graced all other years of my XXXX education thus far. It seems to me that Aidvantage does not have systems or personnel in place to adequately handle the demands of their loan portfolio. I hope you can help.
Product: Debt collection

XXXX uses door to door sales tactics. On or about XX/XX/2021, a sales person came to my home to sell pest solutions. as part of the conversation, I asked if XXXX was licensed/permitted to solicit in XXXX XXXX XXXX Illinois, where I live. I was told they did hold a permit. I agreed to try the service, which was completed that day. I later contacted the XXXX of XXXX XXXX administrative office to find out not only did XXXX not have a solicitation permit, they did not even bother to apply. The representative stated that any company wishing to perform door to door solicitation must obtain a permit for each agent of the company that will be doing the solicitation. 

I contacted XXXX on XX/XX/2021 telling them to cancel my services in reply to an email they sent with an invoice. I later called their offices, canceling my services since I did not hear back from my XX/XX/XXXX email request to cancel. 

I then received text messages on XX/XX/2021 and XX/XX/2021 requesting that I contact their financial services office. I replied back to both texts that I did not owe any money as they lied to me in order to get me to agree to a service. 

I received emails on XX/XX/2021, XX/XX/2021 and XX/XX/2021 trying to collect a balance on the account. I responded on XX/XX/2021 that I would require verification of their solicitation permit before I would pay anything. No response. On XX/XX/2021, I replied to both the text message and the email that I would not pay them anything and to stop contacting me. 

They also have tried to call me on several occasions but I have not talked to anyone since I canceled the service. 

I then received a debt collection letter dated XX/XX/2021 from A.R.M. Solutions, Inc. attempting to collect a debt for XXXX. 

I just sent back a letter to XXXX explaining the illegal business practices and their repeated attempts to collect a debt not owed even after I told them to cease.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I sent in a factual dispute letter to Equifax XXXX XXXX after looking over credit reports I ordered on XX/XX/XXXX to let them know that my account has always been missing the estimated date of removal. I also sent XXXX to XXXX on XX/XX/XXXX. I have attached those documents below. XXXX  days later I emailed a letter to the CEO XXXX XXXX and explicitly stated that I'd just mailed out letters of disputes to the bureaus for this account because they didn't add an estimated date of removal for the account and I wanted to know why. The dreaded XXXX ( XXXX of their senior account specialists ) contacted me back and told me my reports would be updated to reflect the estimated removal date. This never happened. 

I sent a XXXX round of factual dispute letters to Equifax and XXXX on XX/XX/XXXX & XXXX asking that they delete the XXXX XXXX XXXXXXXX tradelines off my reports entirely because they'd failed to run a proper investigation or provide proof of my estimated date of removal as I'd asked. They kept sending it back as accurate without any proof of said accuracy. 

No one should ever have to go through all this to have these entities that have our financial lives in their hands do what they're required BY LAW to do. 

So in XX/XX/XXXX I realized that even though this was supposed to fall off in XXXX it was still on my report and I emailed XXXX XXXX XXXX XXXX CEO again about it except this time I was XXXX. I attached screenshots to them of my credit reports that had always reflected XX/XX/XXXX as my date of first delinquency and I've also attached those documents to this complaint. I told them I would report them if they didn't remove the account from my reports. 

XXXX is the person who called me to follow up but we never spoke and kept playing phone tag then I received a letter from her in the mail stating that nothing would be removed because they are reporting accurately when they're NOT. 

If they report so accurately, why have my reports always shown date of first delinquency as XX/XX/XXXX? Why does my Equifax report CURRENTLY state that my account was closed on XX/XX/XXXX? If my date of first delinquency was XX/XX/XXXX then how was it closed in XX/XX/XXXX? 

What kind of geniuses are employed over there?
Product: Credit reporting or other personal consumer reports

I'm writing to follow up on my previous complaint to TransUnion. I've attached my FTC report for the first negative item, XXXX XXXX XXXX. This tradeline is illegal and needs to be removed as it violates the Fair Credit Reporting Act ( FCRA ). The company does not have any official documents or chain of title. XXXX XXXX has been removed from all other credit companies ( XXXX, XXXX ). I've attached that below as this company has admitted and verified that they have no 1099-K for this alleged debt that is not mine. They have sold this secured debt to a trust and there is no assignment or title. I have never done business with this company. How is it that your investigation comes back verified but it does not meet FCRA to the other credit bureaus? You all have to abide by the law. The XXXX inquiries that have attached are all fraud and I am disputing all inaccuracies within these negative items. These inquires were not done by me at all. I am victim of Identity Fraud and these accounts are not mine. I reuqest you investigate every account and inquiry I hacve attached to this complaint and remove these tradelines as this is hurting my credit worthiness. Additionally, I am aware of the CFPBs recent judgment against TransUnion for failing to provide accurate and fair reporting of consumer credit information. This judgment further underscores the importance of ensuring my credit report is corrected promptly.Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputed items on my credit report within 30 days. I kindly request a written response confirming receipt of this dispute and a detailed explanation of the outcome of your investigation.I have also contacted my local police department and filed a report about this identity theft incident. Despite this, XXXX XXXX XXXX refuses to comply with the law by continuing to report this fraudulent account on my credit profile. Lastly, you have all wrong adresses on my report, pls remove these and use the one I have attached as this is my real adress. These fraudelent accounts are attached to this adresses.
Product: Debt collection

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to keybank asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. 

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may 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.

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Please removed inaccurate and incorrect unauthorized hard inquiries TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The following names needs to be removed as they are inaccurate and incorrect Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following XXXX current addresses XXXX needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectTransunion XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX 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 ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Good day, this is very alarming as there are items on my credit report that have resulted from fraud to which I never benefitted from. This is making me really anxious and stressing me out, it's a really time-sensitive problem for who knows what else they are doing with my information and this is already devastating to me.

I have reported them to the Federal Trade Commission but they are not removed from my report which is really frustrating.
Product: Prepaid card

I too have had rushcard, my deposit came late. Although it told me it was ok to use, it got declined every other transaction, I have no access to my online account, it says I have to call. I called several times, and a few times it hung up, other times I waited on hold the longest I waited was almost 3 hours. I had a transaction I needed to dispute and can not because I ca n't get through. This company is unprofessional, and does not keep the best interest of the customers in mind ... .I have lost having to deal with this inconvenience.
Product: Mortgage

Carrington mortgage has been collecting my payments without explanation as to where it's being distributed and utilizing an evolving total payment necessary to enforce strict deadlines under threat of foreclosure. Multiple payments remain unaccounted for. They forced me into a foreclosure and slotted me for a bailout. I qualified for a bailout and was told my account was zeroed out and to resume normal payments as of XXXX. Upon going to make XXXX payment, in full, online suddenly states an additional {$1500.00} in " uncollected fees ''?? I have received no correspondence of any sort informing me of any remaining balance such as that. I can not just submit my normal payment safely, as I can not reach anyone to explain nor accept just my normal payment, online, telephone nor fax. The only person I could reach said it was out of his hands and directed me to write a hand written letter requesting any information I would want and send it to Carrington research and provided me with a fax number. He said that you're not accept phone calls or electronic mail and that they would take 30 business days to respond to my request. The fax number proved ultimately to be non-existent I tried it two different places to send it and it would not go through. I have also just found out that they are under investigation and being legally penalized for the very types of things they have been doing to me. I need immediate help so I can make my mortgage payment safely and figure out how to further proceed from here. Any feedback would be greatly appreciated. Thank you very much
Product: Debt collection

When I moved out of my apartment in XXXX XXXX XXXX in XXXX Arizona on XX/XX/16. At the time, I signed a document stating that I was closing out my lease and that there were no charges owed in addition to any fees agreed to upon taking the lease ( security/cleaning/pet deposit, etc. ). 
The apartment complex then re-rented the apartment to another tenant on or around XX/XX/16. 
I was NEVER notified that the apartment complex was stating that I owed {$420.00} for " damages '' to this apartment until I found out that I was sent to collections for this amount. In XX/XX/2016, I disputed the charges directly with the apartment complex and the collection agency and all 3 credit  agencies. However, the debt is still listed as owed by me on my credit report. 
I just recently disputed these charges again and the apartment complex collection agency sent documentation ( which I never received before ) and which is clearly altered and fraudulent stating that AFTER I moved out on XX/XX/16, they found damages ( when another tenant was already renting the unit ) and providing " proof '' that I signed off on these charges. This paperwork is fraudulent! It was clearly altered after I left and dated it after I signed all the paperwork and moved out!!! I was never notified that XXXX XXXX XXXX stated that I owed {$420.00} ( over my other deposits ) and that they had sent me to collections. 
A search of XXXX will show that this is a known and common tactic of this apartment complex.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The CARES Act. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID 19 crisis. 

I made an agreement with XXXX XXXXXXXX XXXX XXXXXXXX for payment relief before i fell behind the CARES Act Requires that the creditor to report your account as Current and good standings.
Product: Debt collection

CCI continues to use illegal actions to collect fraudulent 'debt '. Most recently, CCI sent another letter dated " XXXX XXXX '', whenever that is ..., threatening me again with damaging my credit score for {$2600.00} on account XXXX. This is what I am assuming is a combination of 2 different illegal attempts previously from CCI to steal money from me. One for {$180.00} and a different one for {$2400.00}. 
The illegal attempt to steal {$2400.00} from me was disputed in writing on XX/XX/XXXX. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ). 
The illegal attempt to steal {$180.00} from me was first disputed in writing on XX/XX/XXXX. CCI responded to this dispute with another copy of the bill ( that doesn't even indicate what products or services the bill is charging me for ) on XXXX XXXX ( again, well after their required 30 days ) that did not provide verification of the debt or even remotely address the dispute. I sent a second dispute letter to CCI on XX/XX/XXXX providing overly clear description of the dispute and explanation of why the debt was invalid and illegal. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ).
Product: Bank account or service

I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. 
This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it?