23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

A few years back, I called Navient to see what I needed to do to qualify to have my co-signer removed from my private loans. They listed off a few details on what steps I needed to take, and those were : Loans payments must be in full without any program assistance ( IBR, Deferment, Forbearance ) Continuous monthly payments for 2+ years Can not miss a payment during this time period After paying them for over two years, I called to ask how to get the co-signer release paperwork, and where to file for processing. I was then told the same list of requirements, but an additional one was addedhaving a degree from the school attended. This information was not provided and is now screwing me over. 

I was unable to graduate due to maxing out my ability to request more loans and was forced to quit my education, which was also a lie the school told me when I enrolledthat student loans would cover the entire span of my education there. I was two quarters away from graduating. I also met all the requirements for over two years, only to be told the information I was given was incomplete and can not seek relief for my cosigner. 

Now, the XXXX XXXXXXXX XXXX XXXXXXXX and many other locations have closed due to their worthless degrees, lack of accreditation, predatory student lending practices, false job placement information, poorly promised job placement practices, and false starting wage information. Because of this, I can now never complete a degree and do not have the option to have my mother removed as a co-signer on my loans. 

Having a cosigner puts my family at risk if something happens to me, and also enables Navient ( the loan servicer ) to use my co-signer 's income as a means to charge me more per month in payments. My cosigner should have nothing to do with my monthly payments unless/until I have lost the ability to pay them myself. It's robbery at its best.
Product: Mortgage

I, m not sure I am in the right place I have a XXXX  loan with a Home Equity and questioning the Interest Rate, I am paying close to 8.99 % almost 9 % is this right when I signed up it was XXXX percent and I know Inflation has had some effect but when I asked for the average of XXXX  rates get a lot of XXXX quotes we have Good Credit Scores, not sure I really have a complaint or not. Thanks! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Debt collection

International Recovery Associates , INC. purchased my medical debt from about 10 years ago. Im currently injured and not working, and informed the agent that called me about this. She began to question how I had a phone to receive her call, if I had no money. Thats not professional and actually none of their business, but I endured this type of harassing questioning for a good XXXX minutes. I then informed her the call was over and I wasnt answering another thing, at the tip of my lungs. She continued and I told her I refused to answer anything and else until she finally hung up.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023
Product: Debt collection

I have no knowledge of this debt so I asked the company to provide factual information that it was my debt. They sent a letter of a bill with my name and a address I have never lived at ( which is enclosed ). I never recieved any signed contract with my signature stating I ever was with XXXX or owe ERC? The paperwork has an accurate address during time they say I supposed to have had this account and no signed contract? I would like this removed from my account immediately as this does not belong to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process always unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},
Product: Debt collection

CCS has been calling my phone number since XX/XX/XXXX asking for a person who relinquished the line before I purchased it. XX/XX/XXXX, I informed the person calling to cease all contact and that any further attempts to call would be referred to the Federal Communications Commission and the Maryland State Attorney General 's office. Today, XX/XX/XXXX ; I was contacted again by the same debt collection company. These calls are highly irritating and completely in error and I have no relationship with the person they are attempting to reach other than having her former phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request. 

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that Experian and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with Experian and seeking its removal from their credit report under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATE AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : FHA Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX  acct # XXXX 3.XXXX XXXXXXXX acct # XXXX 4XXXXXXXX acct # XXXX have violated my rights. 

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

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to address a persistent issue on my credit report that remains unresolved, despite the cooperation of other credit bureaus. As a victim of identity theft, I have diligently worked to rectify inaccuracies on my credit report. I have noticed that this fraudulent account is still present on my credit report with your agency, even though XXXX and XXXX have successfully removed it. They identified an error, which they promptly corrected. I am confused as to how your agency has verified this account while others have removed it. Please delete this inaccurate, erroneous, incomplete, or unverifiable information from my file. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/17 I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XXXX17 that the investigation may take up to 30 days. It is now XXXX/17 and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
Product: Credit reporting or other personal consumer reports

I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a XXXX market, and this is currently being investigated.
Product: Mortgage

There were errors on our closing disclosure that is causing us to pay more then the stated amount of {$00.00}. As per the  CD we were to receive {$1500.00}, but due to the errors on the CD we are n ow having to pay {$1000.00} due to a short caused in our escrow account because of the errors on our  CD., As p er  TRID " If  amounts paid by the consumer exceed the amounts specified  under paragraph ( e ) ( 3 ) ( i ) or ( ii ) of this section, the creditor complies with paragraph ( e ) ( 1 ) ( i ) of this section if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with paragraph ( f ) ( 1 ) ( i ) of this section if the creditor delivers or places in the mail corrected disclosures that reflect s uch refund no later than 60 days after consummation '' Though while a  BBVA broker as acknowledged the errors on the CD via email, BBVA has yet to refund the amounts we are short in our escrow or deliver a corrected disclosure 60 days after consummation. BBVA has instead played stupid and claimed that because the Title company will now show them proof of paying the full premium they somehow are not liable for the errors on the CD. Please find our Homeowner 's insurance cancellation letter that was sent to BBVA on or about    XXXX / XXXX /  XXXX  . Yet to dat e BBVA has refus ed to comply with the TRID as required by law.   A creditor or assignee has no liability under this section or section  1607 of this title or section 1611 of this title for any failure to comply with any requirement imposed under this part or part E, if within sixty days after discovering an error, whether pursuant to a final written examination report or notice issued under section 1607 ( e ) ( 1 ) of this title or through the creditors or assignees own procedures, and   prior to the institution of an action under this section or the receipt of written notice of the error from the obligor, the creditor or assignee notifies the person concerned of the error and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower. Here  BBVA has not done so and has only demanded that we pay the shortage that was caused by the error on the CD and so that now we have to pay more than the stated amount that was on the CD. This is a direct violation of TRID and has caused us harm in that we are being forced to pay more than the amounts stated on the CD. This should entitle us to any actual damages sustained by such person as a result of the failure ( namely the {$1000.00} and ; ( 2 ) ( A ) ( iv ) in the case of  an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} however determined by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and requested they report a line of credit ( {$500.00} ) to Transunion credit bureau XXXX They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to  make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact Transunion and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent? 
This complaint is in conjunction with a previously file complaint against the credit bureaus. 
Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home. 
A timely response to this ongoing issue is imperative to the concerns of my family and I. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with LVNV funding llc. Please have this removed off of my credit report.
Product: Credit card or prepaid card

charges were put on my XXXX XXXX card that I never did. I reprted chages to bank America as fraud and at first they they said it was fraud then a week later said it was not fraud
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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: Money transfer, virtual currency, or money service

New letter dated XX/XX/year> new issue to XXXX  XXXX XXXX about XXXX. 

From XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Case XXXX Address to : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Re XXXX XXXX XXXX XXXX XXXX  # XXXX Dated XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX this new issue also includes that fake loan XXXX for XXXX that your client XXXX XXXX XXXX XXXX fake SSN number XXXX and increased the mortgage value from his income by using XXXX fake titles XXXX. As XXXX XXXX at XXXX XXXX. XXXX. As a XXXX XXXX doctor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX both I reported the him as XXXX XXXX fake degrees and both he got XXXX  with license number XXXX and currently under investigation XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX complaint XXXX XXXX 

You answer these questions you are avoiding and should be fined.
Product: Debt collection

I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of XXXX XXXX XXXX. The letter from XXXX XXXX XXXX/MacDowell & Associates is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.