23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX
Product: Consumer Loan

In XXXX of 2015 my adopted mom asked me to co sign a title loan for her. Knowing the title loan has a high interest rate I really did not want too but did. She took my paycheck stubs to the title loan place without me being present or knowing what 's going on. I was under the impression the loan was XXXX. By doing this she is now over XXXX. 
Sunday XX/XX/2015 I have a letter on the door.inside this letter was a contract for XXXX XXXX 2015, it has my signature on it, clearly this is not my signature. Then here 's the letter, my name is totally spelled wrong. The tell me in the letter anything over XXXX is a class D felony and I need to take care of the payment in the amount of XXXX. This to me is they are trying to strong arm me into paying. Which I 'm not going to do. If they take the vehicle they take it.
Product: Debt collection

I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED/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 an 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 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

TODAY I NOTICED UNAUTHORIZED LOANS ON MY CREDIT REPORT THAT I DOD NOT AUTHORIZE OR HAVE KNOWLEDGE OF. I STARTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. THE AMOUNTS ARE OVER $ XXXX. I WANT THEM REMOVED WITH ANY HARD INQURIES FROM ALL 3 CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

It appears XXXX XXXXXXXX XXXX has erroneously marked my account as 60 days past due, despite it being current. XXXX XXXX XXXX policy does not include grace periods for payment, and any payment after the due date by XXXX incurs a late fee. Additionally, although they offer payment protection for job loss, they have not applied it to my account.
Product: Credit reporting or other personal consumer reports

According to 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. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed 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. ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 adverse item they are reporting again without my permission which 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. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 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: Vehicle loan or lease

My in laws pass away within XXXX month of each other. When we got to the car loan info going through their stuff, we communicate with Chase auto to inform the desire to keep the car and that we were in the probate process. We ask for the info on debt and how much we need to pay. They informed me I was not authorized to get info. I ask what need it to be done to get the authorization and they said nothing ( which it was a lie because I found out there was a process ) I beg to tell me any process to get authorization and informed of the probate process again they said nothing can be done. I made a payment blindly and XXXX weeks latest the car was repossessed for late payment. When I contact my lawyer he informed me that with an affidavit and a letter fro the executor I could be authorized. We did this in less that XXXX hours and after submitting the paperwork I was able to find out about the late payments. I complained about no been giving the info necessary to get authorized and they allow me to get the car back and said they will waved the repo fee. For XXXX years I have been paying the loan and asking why the fees are not wavered. They apologize and said will be taking care of. Finally we pay off the car and now they want me to pay the repo fees they said was waved for the last XXXX years. Every time I call the hang on or transfer me to XXXX different department and said it will be waved. Today I got a call saying that if I want the title of the vehicle I have to pay the fees. I informed them this was supposed to be waved XXXX years ago and they responded by saying nope, you have to pay the fee if you want the title. This is ridiculous and have put our family through XXXX for XXXX years as we grieve the lost of XXXX family members. I cant stress how hard this has been and now they are holding the title XXXX and stoping all the probate proceedings until we pay a fee they said it was waved
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) 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 adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681tb of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 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 reporting or other personal consumer reports

2 years after disputes were started for fraud at XXXX the finally removed half of the fraud related cases. This comes after on multiple occasions stating they investigated insure to FCRA standard. With the removal of half the fraud reports its is now clear to see these issues were never ever investigated at FCRA standards as previously reported and XXXX had been falsely reporting data on behalf of companies. 
Fraudulent accounts still being reported include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When XXXX was asked to provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED They failed to comply. They also have failed investigate files as can be seen by the current removal of fraudulent files that took over 2 years of disputes to remove. XXXX has continuously discriminated against and ignored me when request for a accurate dispute have been asked for both over the phone and in the mail. Even while I have been denied credit and the ability to move due to their errors and negligence they still have failed to resolve all the issues
Product: Credit card

Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. 

I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX XXXX  XXXX about the secure credit card that was closed for {$66.00} due balance the account was opened XX/XX/2017. I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. I have already gotten this account removed from my XXXX  consumer report I am now asking that this be forwarded to Experian so that it can be removed from my consumer report from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Under dispute Date opened XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX  Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE
Product: Debt collection

Hello, I owe a debt and I went to a debt settlement company ( XXXX XXXX ) to settle my debt. I have repeatedly asked Mariner Finance to stop calling me at work because I will lose my job. I asked them to call the debt settlement company to rectify the debt. They told me that I had to have XXXX XXXX call them. All I want is for the phone calls to my work to stop before I get fired. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have not authorized any these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave these companies any written consent to report anything on my consumer reports. No consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX  will be filing form 211 Treasury OMB firms to audit consumer account. EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Mortgage

I was on forbearance from loosing my job due to Covid and XXXX of 2020 I applied for a loan modification which still today has not been completed or finished, I have made all my payments for the past 5 months after being out of extended forbearance due to them taking for ever to process and do a loan modification, for 6 months I have asked for transaction history report which they do not supply, I have wanted to refinance my loan for the past year and a half for a lower interest rate but low VA rates cant see 6 consecutive payments to do a refinance because XXXX is saying its in forbearance when its not and they also wont supply me with a transaction history report for my payments made all while I am loosing money from not getting a lower interest rate. I also had an opportunity for a grant from state of Michigan to pay for delinquent mortgage but cant use that because XXXX refuses to participate in the program. 3 times a month for past two years I have called and emailed for status update and nothing has happened, for the past year they have escalated my case but still no modification
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feeXXXX XXXX  since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.