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

In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XX/XX/XXXX. Along with the XX/XX/XXXXbalance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ 80- $ 100k dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT BUREAU COMPLAINT : There is an Unknown yet validated account reporting on my Equifax credit file with an account number XXXX. 
I have been advised by legal counsel that partial account numbers are not acceptable and is reporting out of compliance with the FCRA and since it has hindered my investigation it is an negligent act of the furnisher and Equifax. 
There has been no mention on the report that this account has been disputed due to identity theft and is also out of compliance with the FCRA. 
There has been no mention of my dispute submitted in XX/XX/2020 regarding this account opened as a result of identity theft and disputed reporting under # XXXX and there is no mention of the prior dispute of # XXXX an unknown account also opened as a result of identity theft. 
In XX/XX/2020 I contacted the Fair Trade Commission regarding the Identity Theft and the noncompliance of the furnisher and Equifax. 
Along with written requests mailed to both the furnisher and Equifax to remove the information I sent the FCRA 605b and instructions to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA.

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). 
I have to date not received a reply from the creditor and subsequently with the advise of the FTC I mailed to Equifax my ID Theft Affidavit and letter of request to remove the fraudulent account on XX/XX/2020 and again XX/XX/2020. 
I also advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00XXXX XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Debt collection

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XXXX XXXX, XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. 

My info : : Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 digits of social : XXXX ACCOUNTS : ( XXXX ) AD ASTRA RECOVERY SE Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX  XXXX TX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection on the XXXX USA account number XXXX, in the amount of {$1000.00}. ( Please see page 6 of the attached credit report. ) XXXX XXXX had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Product: Debt collection

I filed for Bankruptcy XX/XX/XXXX because I still had NOT recovered from the devastation of XXXX XXXX. I was homeless for more than a year after XX/XX/XXXX. I was having trouble finding steady employment. XXXX or ECMC never offered any Hurricane Disaster Relief, Forgiveness or any type of Financial, Mental and Physical Hardship forgiveness. I added the Student Loan in my Bankruptcy because I DO NOT RECALL being a XXXX  at XXXX XXXX in the Summer of XX/XX/XXXX. I attended and XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XX/XX/XXXX. My previous attendance and affiliation with XXXX XXXX is somehow being used here. If I were a STUDENT at that time, how was I able to CONTINUE an education, when my LIFE was turned upside DOWN and inside OUT? I WAS HOMELESS FOR MORE THAN A YEAR. I had only the clothes on my BACK and the shoes on my FEET. You people are making me RELIVE the most CHAOTIC events in MY LIFETIME. I am asking NOW, to have this Student Loan, listed as Closed/Paid due to XXXX XXXX, the WORST Natural disaster to hit the United States XXXX There are people who have been granted tens of thousands of dollars in student loan relief/forgiveness, and those people NEVER suffered the devastation that I suffered in XXXX XXXX. I am being harassed/hounded for a XXXX XXXX XXXX student loan that has a balance of {$4000.00}, and again, there are people whose student loans were forgiven in the TENS of THOUSANDS of dollars, WHO HAVE NOT SUFFERED the LOST, the TRAUMA, the DEVASTATION that I SUFFERED. If this Student loan does NOT meet the Criteria for Disaster Relief/Forgiveness, Financial, Mental and Physical Hardship, then I must be dealing with XXXX and/or Age Discrimination, and if this is the case, I will take action based on those facts.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I submitted a dispute for my XXXX XXXX Account several times to the bureaus. After never receiving a response, I wrote the company myself. The company responded to my dispute, and in the letter stated they would have the consumer reporting agencies update the account to " In Dispute ''. I just checked my credit report and neither Equifax or XXXX updated this to " in dispute ''. I am including the letter that XXXX XXXX sent to to me with their exact words.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach and I was affected. They have come to a settlement and I am choosing to not take their settlement and take the second step in informing them of the next steps I am taking. I have a Notice of demand that protects my name and my information which is bigger than the XXXX XXXX I will attach a portion of it to this complaint. I will also attach showing that my information was breached by them and that they are paying the settlement of {$420.00} XXXX. 
I have the right to my privacy and this company has breached the agreement in protecting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Report Act XXXX account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely XXXX never initiated such a dispute. This erroneous action has had a detrimental impact on my XXXX XXXX, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Mortgage

I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.
Product: Student loan

I have several loans managed by Navient. some of these loans were consolidated from other companies. Most of loans were federal subsidized and unsubsidized. the lowest interest rate I pay is 3.125 % and the highest I paid was 9.75 % on a training loan. Most of my outstanding loans abo

ut ( {$62000.00} ) is at the rate of 6.8 %. I graduated in XX/XX/XXXX and for couple of years I did not make significant payments into the loans, except of a loan to
Sallie Miae, which was consolidated to Navient in XX/XX/XXXX. the total I borrowed in this loan is {$18000.00}, I consistently paid {$180.00} monthly since XX/XX/XXXX. Even when I was late next month I paid the late charges and the missed month. so far I paid over $ XXXX of this loan and still going. I don't even now how much is the balance now but I'm sure it wont be less than XXXX. 

below is the current status of all the loans. 

1-01 Career Training {$0.00} 9.750 % No Due Date 1-02 Stafford  - Unsubsidized {$0.00} 3.370 % No Due Date 1-03 Stafford - Subsidized {$0.00} 3.370 % No Due Date 1-05 Consolidation {$5500.00} 3.125 % XX/XX/XXXX 1-06 Consolidation {$8600.00} 3.125 % XX/XX/XXXX 1-07 Stafford  - Subsidized {$0.00} 6.800 % No Due Date 1-08 Stafford  - Subsidized {$13000.00} 6.800 %XX/XX/XXXX 1-09 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-10 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-11 XXXX XXXX {$0.00} 8.500 % No Due Date When I graduated the total I owe was about {$96000.00}, and by XX/XX/XXXX the total I owe was above {$130000.00}. During the last two years I managed to reduce the loans to the point where the total was just over $ XXXX. Since then I did not miss a payment, maybe a little delay but did not miss a payment. Today the total I owe s {$76000.00}. according to my calculations the total I owe should be less than $ XXXX. Since I started paying and up to date I believe I have paid not less than XXXX into these loans but most of the amount I paid went towards interest and maybe other fees. I believe I was unfairly treated and fees, high interest and other charges were dumped on me. For the year of XX/XX/XXXX alone, Navient sent me a tax document that showed I paid $ XXXX in interest. imagine the interest payment alone for was XXXX in a loan at the time a little over 100k. I would like to file a complaint and have the loan managing company disclose : 1. how much interest I paid from the start up to date ; 2. i'm contesting the legality of the charges, late payment charges 3. I'm contesting that I agreed to the interest rate of 6.8 % and the rate of 8.5 %
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and id as it contains my full complaint and request.
Product: Debt collection

I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges. 
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.
Product: Checking or savings account

I tried so may times with so may places about this case. This time I think I will try my home Bank of America, where our relationship all started ( I also just submitted a complaint toothed OCC with the bank that is located on the check, I hope the locals resolve this? I am not nearly satisfied yet ) I my Home Branch does not want anything to do with me I understand** **My Bank of America XXXX XXXX XXXX XXXX XXXX Bank of America Checking Account Number XXXX Bank of America Savings Account XXXX XXXX Bank of America Credit Card XXXX XXXX Bank of America Auto Loan Account XXXX XXXX XXXX XXXX ( no excuse to victimize a human ) XXXX XXXX ( no excuse to victimize a human ) ** ** ( I strongly believe I am the honest one ) ** **I demand answers to the OCC and or the enforcement of violation of the investigation by Bank of America who might be covering up foul play, banking misconduct through medical neglected, bias harassment, bias conspiracy, I and the OCC have not received answers on why XXXX as showing on back of copy of check, this check was accepted by bank by mail? It was not me who sent it and there has not been a real investigation because a real investigation would prove on how I am the victim. Why was the deposit slip left incomplete? How did the teller or even the bank that received the check by mail get the information that says it is my account? This is an inside job. Bank of America had to do something to do with this by knowing my checking account number, which was not showing on the deposit slip. Where did that deposit slip come from? I know deposit slips come inside check books, but I do not have check books ever ordered from Bank of America. Can Bank of America prove that I do have a check book? What about the routing number on the checks? The group of numbers in the middle of the check. Can Bank of America show the OCC how they identify to XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX, which is showing on the check as the business that the checking account is in, and that business is located in California. What about the check show where they deposited if the routing numbers on XXXX 's checks do not show to be routing numbers to California Bank of America 's. This case has been going long enough and all I get is delayed reviews with no results of what is obviously wrong. What makes someone's mom so powerful that she can influence women to treat a human being like this and herself as well? Is this what people who attend church learns to do to outsiders? This is not the God always known** It has become unfair to me on how women can get away with crimes just by the belittlement of a male. My life has been so unfair. Me being XXXX makes it worse, very sexist! Are all women vengeances like this? What did this male do? **
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.