23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received correspondence from XXXX XXXX  XXXX, law office representing Citibank , N.A . stating they were a debt collector attempting to collect an alleged debt. 
On XX/XX/XXXX, I mailed a letter asking for validation of the alleged debt. 
On XX/XX/XXXX, received another correspondence from XXXX XXXX  XXXX listing information and not validating the alleged debt. 
On XX/XX/XXXX, mailed an Affidavit of Loan Denial certified to XXXX XXXX  XXXX that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified to Sears/CBNA that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified for a third time that went unrebutted and stands as truth in law. 
On XX/XX/XXXX and again on XX/XX/XXXX ( due to usps delivery delays ), I mailed a notarized Affidavit C & D certified to XXXX XXXX XXXX. 
On XX/XX/XXXX, I received documents from District Court of Maryland for XXXX County stating the case had been voluntarily dismissed. 
On XX/XX/XXXX and again on XX/XX/XXXX, I mailed a notarized Affidavit of Truth demanding that the information being reported to the three consumer reporting agencies be deleted from my three consumer reports, subrogation of the bond to settle the charge and an invoice for XXXX for violating the following FEDERALLY PROTECTED CONSUMER RIGHTS15 USC 1681n, 15 USC 1681o, 15 USC 1692c, 15 USC 1692d and 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : 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 XXXXXXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Birthdate on Credit Report Dear XXXX XXXX I am writing to dispute the accuracy of my personal information as it appears on my credit report. Upon reviewing my credit report, I noticed that my year of birth is incorrect. The correct birthdate is XX/XX/XXXX. However, your records indicate a different year of birth. 

Below are the details of the incorrect information : Incorrect Birthdate : XX/XX/XXXX Correct Birthdate : XX/XX/XXXX Enclosed with this letter are copies of documents verifying my correct birthdate, including my driver 's license and birth certificate. 

Please provide me with written confirmation once the necessary corrections have been made to my credit report. Additionally, I request that you notify any third parties who may have received my credit report with the inaccurate information.

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX i received a letter from DNF ASSOCIATES LLC what appeared to be a debt collector about an alleged debt they claim I owe with the amount of ( {$1100.00} ). On this letter it stated that I have until XX/XX/XXXX to dispute partial or all of this alleged debt. I then received a court summons in the mail stated that DNF ASSOCIATES LLC has filed a suit for this alleged debt. I then contacted them by letter on XX/XX/XXXX requesting validation of this alleged debt and what they sent to me was the court summons instead of the validation. After reviewing the summons I again sent out another letter on XX/XX/XXXX requesting validation again along with specific documentation they claim to have mentioned in the summons. I have not heard anything back and is due to appear in court on XX/XX/XXXX. According to the FCRA/FCRPA they violated the timeframe they gave to dispute by simply prematurely filing a suit within that timeframe they gave. And it is just outright unfair that they think they can just disregard the matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified erroneous accounts that are negatively impacting my credit score. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off accounts from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible.
Product: Student loan

In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. 

When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a notification that inquiry was made on my credit report. XX/XX/2023. I immediately called the next day unable to speak to someone. I wrote a letter a total of 2 regarding this Inquiry XXXX and told Equifax I did not apply for any credit. I also put a freeze on my credit because of it. I have also mailed a letter to XXXX the Original creditor because I have not made inquiry or applied for credit and I have yet heard a response. I requested proof from Equifax and only thing received is saying its valid.
Product: Student loan

In XX/XX/XXXX, I began repayments for my federal student loans by enrolling in auto-pay with EdFinancial. My initial payment was accepted, so I assumed my auto-enrollment was successful. However, in XX/XX/XXXX, I noticed a significant drop in my credit score. Upon investigating, I discovered that my student loan payments had not been processed.

I contacted EdFinancial immediately and was informed by a representative that their system was deleting the last digit of my bank account number, causing subsequent payments to fail. Despite the initial payment being processed through my bank account, this error was not communicated to me. I received no notifications via phone, email, or mail, which I found extremely unprofessional. 

The representative apologized and instructed me to re-enroll. I did so, and while my payment was initially accepted, it was later denied. I find it extremely bizarre that I have never changed the bank account number on this website, yet some payments are denied while others go through. Payments were reversed and returned without my knowledge. When I contacted customer service again, I was told that a higher-up would reach out to me, but I never received any follow-up communication.

Additionally, I attempted to file a complaint through EdFinancials website. Despite using only the allowed characters, my submission was repeatedly denied. It seems their system has another fault preventing the submission of my complaint. I have attached a copy of my complaint below.

Due to these issues, I have accrued significant interest, and my credit score has been negatively impacted. EdFinancials failure to notify me and resolve the issue promptly has been highly unprofessional and detrimental to my financial stability.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card at Indigo opened on XX/XX/XXXX, a personal cell phone opened at XXXX on XX/XX/XXXX, under the account number XXXX, and a debt collection at XXXX XXXX  on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with transunion on XX/XX/2018 and told them I was a victim of the service error where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. The representative told me that I was not a victim and I stated I was. Transunion refused to remove those inquiries. 
A list of all the inquiries that need to be removed have been uploaded.
Product: Credit card

Account is fraud. Credit company is trying to sue me for money I don't owe, they already took money from me illegally
Product: Money transfer, virtual currency, or money service

I made an online purchase from XXXX XXXX XXXX XXXX and transferred XXXXXXXX XXXX = XXXXXXXX XXXX  from XXXX XXXX app to XXXX Mercury account holder ( XXXXXXXX XXXX XXXX XXXX ) using international money transfer option on XX/XX/XXXX. XXXX confirmed that the money was received by the recipient bank on XX/XX/XXXX. Since then the money has not been cleared and deposited to recipient bank account. 

My online order will be cancelled if the recipient don't receive the money in time and it's been almost 4 weeks that I don't have any resolution on this issue.
Product: Debt collection

Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.
Product: Mortgage

I took out a construction loan from Hallmark Home Mortgage LLC that closed on XX/XX/XXXX. We started building a home soon thereafter. When we went to close on the permanent financing for our home loan with a closing date of XX/XX/XXXX, we were shocked to find out that Hallmark Mortgage LLC charged us {$750.00} per month to extend our construction loan. We paid monthly interest to Hallmark and received a statement each month and paid the amount owed. Never was a {$750.00} per month charge disclosed to us at our closing. I approached Hallmark Home Mortgage LLC and the representative we dealt with, XXXX XXXX, and he said that those fees would have been waived had we chosen them for our permanent financing but since we were financing our loan elsewhere, we had to pay them. Hallmark Home Mortgage LLC waived one month of fees but we were forced to pay the remaining {$4500.00} in fees in order to have the construction loan paid off and our permanent financing put in place. I asked XXXX XXXX to refund these dollars since they were never disclosed to us at the closing of our loan nor did we sign any document stating that these fees existed. We did not hear back from him after his initial email that he would ask his Manager. I have a copy of all of our closing documents and monthly statements and there is no mention of this fee anywhere in these documents. I am attaching a copy of a monthly interest statement received from Hallmark Home Mortgage LLC as an example.
Product: Debt collection

I was first notified of a lawsuit by the debt collector ( law firm ) on XX/XX/year> when I received service. I filled motions in the court for legal purposes to dismiss. On XX/XX/year> I sent notice to the debt collector notifying them of my rights under the CFPB. The certified letter was received by the debt collector on XX/XX/year>. I requested verification of debt, original written agreement between myself and the credit card holder, proof that they are a debt collector have been assigned the debt. The debt collector has failed to respond back to my request. I am in the early process of possibly suing the debt collector for this violation, as it has caused more injury to my finances.
Product: Debt collection

XXXX XXXX XXXX {$1100.00} Wakefield and associates {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. Thank you
Product: Debt collection

XXXX is fraudulently seeking money for equipment that I have never had. I bought my phone through XXXX not XXXX. This is false in an effort to get money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am comprehending that the credit reporting agencies, Equifax, XXXX, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.
Product: Debt collection

I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received statements from   XXXX   XXXX   When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed XXXX XXXX installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX. 

Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY Equifax has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both XXXX XXXX and Equifax. After nearly a year, no action has been taken. Even when speaking with representative from XXXX XXXX, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me. 

I find what XXXX XXXX is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And Equifax is allowing this by continuing to report this account with accurate proof from XXXX XXXX that the account infract belongs to me. Because of the personal information not matching according to XXXX XXXX, I am left with no resolution in this matter. 

I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to Equifax through several attempts to remove this account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year 2017 my husband was XXXXXXXX XXXX XXXXXXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as PaidChargoff on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXXXXXX XXXX XXXX XXXX  Can you please help me remove these charge off accounts?
Product: Checking or savings account

On XX/XX/XXXX, I accidently sent {$100.00} to an account that was closed at XXXX XXXX XXXX. As soon as I hit submit, I realized my error. It was XXXX XXXX on Sunday night, so even though I tried to correct the error, I was only able to reach customer service automated line. I called my bank first thing Monday morning ( NYCB ) and reported the error. I was then told I would see the refund in my checking account on Friday, XXXXThat did not happen.On XXXX XXXX, I received a notice from NYCB that they would investigate. Approx. 2 weeks later I received notice the case was closed and there was nothing further that could be done. On XXXX XXXX, I called NYCB again and spoke with XXXX and she informed me that the manager would reopen the case. Today, XX/XX/XXXX, I called to get an update and was told the case was again closed and nothing can be done. They told me to contact XXXX XXXX again. I reiterated that XXXX XXXX did not accept the money due to a closed account. ( that is what I was told by XXXX XXXX ). I am reaching out to you at this time, cause I am at a loss where to turn to next. It is a lot of money, especially at this chaotic time. Please contact me for any further info I can supply you with.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to purchase an airline galley cart from a seller on XXXX XXXX. I planned to use the cart as a bar cart. After expressing interest, the seller provided me with his phone number, and we continued communication via text. During our conversations, the seller insisted on payment through Cash App. 

I sent {$300.00} to the seller via Cash App, using my credit card for added security. Despite my precautions, the seller did not fulfill the purchase. On XX/XX/XXXX and XX/XX/XXXX, I requested a tracking number for the cart, but instead, I found that I had been blocked by the seller. Additionally, I had provided the seller with my girlfriend 's name and address, making it clear that the seller had personal information about us. 

What actions I took : I contacted both my bank and Cash App to report the scam and request reimbursement. Both institutions directed me to contact each other, and ultimately, neither could assist with resolving the issue. My appeals for reimbursement were denied. 

I also requested a refund directly from the seller, but my request was ignored. 
To date, I have not received any resolution or reimbursement for the {$300.00} I lost. 

Timeline : XX/XX/XXXX - I contacted Cash App support, XXXX XXXX I submitted a Credit Card Dispute with XXXX XXXX XX/XX/XXXX - XXXX XXXX denied and closed my claim telling me to contact the recipient or merchant for reimbursement directly. I tried to appeal this, but they insisted that it was futile. 
XX/XX/XXXX - I contacted Cash app because I found out my claim was denied. I asked to appeal and escalate my claim however, they said managers only email customers and that I had to wait until they contact me.
Product: Checking or savings account

They have closed my account with my funds due to a dispute filed. The bank then decided to close the account and has retain the funds. The funds into the account are from legitimate source of employment.
Product: Checking or savings account

Was supposed to get direct deposit on XX/XX/XXXX and now its XX/XX/XXXX and I still dont have my money. Capital One keeps saying that there is a technical issue but nothing is happening. Not good at all and very upset.
Product: Consumer Loan

We would call Bank of XXXX to make payments and they would n't take them out until a week or two after we authorized the payment to be taken out. This resulted in late payments being made. This would happen every month since XX/XX/XXXX. We paid Bank of XXXX three payments on XX/XX/XXXX and that has us current until XX/XX/XXXX. We requested XX/XX/XXXX to ship the vehicle from XXXX to XXXX under XXXX. They stated that due to the late payments they informed us that we would have to make our payments current after we submitted all the paperwork to ship our XXXX Dodge Journey. After catching up on payments they requested additional XXXX payments to allow us to ship the vehicle, we requested that in a written form and they would not agree or let us speak to the supervisor since that was who the request had to go through. Now when we call they put on hold until the phone call gets disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXXXXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, experian, XXXX XXXX, XXXX