23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and multiple unauthorized inquiries that appear on my credit report. I am a victim of a data breach, and I did not authorize this account or the listed inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$460.00} Unauthorized Inquiries to Be Blocked and Deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified. 
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX I do not have a contract with CREDENCE RESOURCE MANAGE. CREDENCE RESOURCE MANAGE is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX  : Account # XXXX ( Balance : {$370.00} ). 15 U.S. Code 1681 s2 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. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Product: Credit reporting

CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them 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

On two occasions, I have submitted a dispute to Experian regarding a charge off account with XXXX XXXX. My XXXX XXXX account was sold to XXXX XXXX XXXX. I satisfied my obligation to XXXX XXXX XXXX in XX/XX/XXXX by paying the balance in full. I noticed on my credit report  in XX/XX/XXXX, the lack of a XXXX  balance on this reporting account and filed a dispute. This dispute resulted in reporting of new negative activity dated XX/XX/XXXX as Failed to Pay and lowered my credit score. 

I contacted Experian by phone and was directed to resubmit a dispute with additional information showing the obligation had been satisfied in XX/XX/XXXX. This is the text of that submission, which included the final statement from XXXX XXXX XXXX showing final payment and XXXX balance in XX/XX/XXXX. " I previously submitted on XX/XX/XXXX, a dispute to correct the reporting of XXXX XXXX by XXXX XXXX to a status of paid and {$0.00} balance and to remove XXXX XXXX from the reporting line. This dispute resulted in new negative activity to my credit report, as fail to pay in XX/XX/XXXX. I paid XXXX XXXX XXXX the final payment for the collection on XX/XX/XXXX. I do not dispute that the account was a charge off and subsequent collection. I just desire my credit report to show that I satisfied the debt, albeit significantly later. If anything I believe my report should at most reflect the negative data ( assigned to XX/XX/XXXX ) in XX/XX/XXXX, the final data of activity associated with this account or should revert to the status of the XX/XX/XXXX Experian report, which was at least in my favor. '' The result of this re-investigation was another instance of new negative activity dated XX/XX/XXXX, again reporting a recent Failed to Pay activity. I again contacted Experian by phone to discern what I was doing wrong. Experian stated they were reporting the data as received by XXXX XXXX, and suggested I contact XXXX XXXX and file a complaint with CFPB, if I was unable to obtain resolution from XXXX XXXX. I contacted XXXX XXXX and was informed that my account was sold to a third party collection agency and they were " just responding to a request for information from Experian regarding a dispute and what Experian choose to do with the data was their prerogative. '' Additionally, they suggested I wait the seven years for the negative data to expire from the report. 

Thank you,
Product: Mortgage

Income is sufficient, W2 verification there, all forms submitted. Denial due to employee stating rocket doesnt FEEL comfortable doing the loan this should not be about feelings but about a customer with money and backing having an agreement with seller for assumable mortgage. As the consumer I feel there was some malicious behavior from the lender assigned to me XXXX XXXX. He was rude, unprofessional and was not submitting the correct information to underwriting.
Product: Credit card

I contacted the credit card company 6 months ago to resolve credit accruing more interest making pay off impossible. Amount owed on debt has already be paid off.
Product: Credit reporting or other personal consumer reports

It looks like someone applied for multiple things around the same dates and they do not belong to me. I am a victim of identity theft. These are fraudulent inquries and I am asking them to be removed ASAP. What is the next step? This is effecting my mental health and I am sooo upset with the way the credit bureaus are handling this matter. They told me I have to have written documentation. I even filed an Identity Theft Report and they are not complying with the provided documentation. 
XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX XXXX XX/XX/24 EQUIFAX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This financial institution took it upon themselves to report a collection account on my consumer report WITHOUT written notice. I am aware that a debt collector must provide written notice a debt before reporting an account on a consumer file. Attached you will find documentation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the XXXX Department of Education and its loan servicer, XXXX, regarding my fraudulent federal student loan from XXXX XXXX XXXX and the Department of Educations failure to act on my discharge request. 

I submitted a Borrower Defense  to Repayment ( BDTR ) claim on XX/XX/XXXX due to XXXX XXXX XXXX predatory lending practices and fraudulent misrepresentation, which were legally acknowledged in previous settlements against the school. However, despite this claim, I have received no response, and my loan remains on my credit report with negative marks, including late paymentswhich should not exist. 

Additionally, my loan has been in deferment since XX/XX/XXXX, meaning no payments were due during this period. Despite this, XXXX has continued to report late payments, which is both factually incorrect and a violation of federal regulations. 

What I Want to Be Resolved : Immediate discharge of my XXXX XXXX XXXX student loan, in accordance with Borrower Defense to Repayment provisions. 
Immediate removal of all late payments from my credit report, as my loan was in deferment since XX/XX/XXXX, and no payments were legally required. 
Official confirmation of my loan discharge and credit correction from the Department of Education and XXXX. 
Legal Basis for This Complaint : Higher Education Act ( 20 U.S.C. 1087e ( h ) ) Borrower Defense allows loan cancellation for students defrauded by schools.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Late payments reported on a deferred loan are inaccurate and must be removed. 
XXXX XXXX XXXX Deferment Policies Servicers can not report late payments while a loan is in deferment. 
The Department of Education and XXXX are in violation of federal law by failing to act on my discharge request while continuing to report inaccurate negative information to credit bureaus. I request immediate CFPB intervention to ensure compliance and corrective action.
Product: Checking or savings account

On XX/XX/2018 I applied for a checking account with XXXX XXXX XXXX   online. On XX/XX/XXXX, the account was opened. I applied to open up an online account, but it wasn't opened for a week. I called on XX/XX/XXXX when I was told I needed to verify my identity with a letter. I faxed over the letter on XX/XX/XXXX and was told my account would be opened as soon as they received the letter. It was verified that the fax was received by Valley. However, on XX/XX/XXXX and XXXX, the bank told me that my account would be opened the next day. Without an online account, you can't see recent transactions or transfer money or anything. On XX/XX/XXXX, it still wasn't opened. I called and they said it was because my signature didn't EXACTLY match the signature on my license. However, it did. I believe that Valley is preventing me from opening my online account so they don't have to credit me the {$150.00} that I would have gotten if my online account was opened within the first month of opening the account.
Product: Payday loan, title loan, or personal loan

Luckmore Finance XXXX advised I was discriminated against for not having sufficient credit and my collateral was not new enough on the phone. When I receive an advise letter they mentioned information I was not disclosed of. The letter indicated I was discriminated against because they couldnt verify employment. They did not ask me to send anything to verify employment, I did provide my employers number. If anyone calls my employer to verify employment they are transferred to the appropriate department ( I have transferred others that has called to verify a peers employment with us to that department ). They also mentioned other reasons in which they did not advise me of when in fact I did ask for the reasoning.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my retirement home. Please remove fraudulent accounts from my credit reports as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report dated XX/XX/18 shows the following information : BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX This  information is incorrect and and letter back from Equifax states this has been verified. Equifax did not send me information with copies of any documentation associated with this bankruptcy bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account.

I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE TRANSUNION WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I have now told this company 3 times to cease all communications and they still continue to contact me. Todays phone call after telling the rep today No Further Contact he proceeded to state " Okay, did you want to set up payment arrangements today '' after asking to speak to a supervisor he claims they are all busy. Did not know or understand the FDCPA laws, I have been a collection agent and had to do two weeks worth of training and my current job we do it twice a year to review so we all know it.
Product: Checking or savings account

Wells Fargo had a lawsuit and I never got a check, my XXXX was stolen and someone in XXXX va made a postal account in my name, did you send them my checks? If so were they cashed? If not then my checks need to be sent to me the rightful person
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been told that this 5othe XXXX  XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Product: Debt collection

Company reported a debt I do not owe to the Credit Reporting Agency. I contacted them and notified this was not my debt. They notified me that ABR Recovery " verified '' the debt. I notified them that it was a fraudulent account because I don't owe this yet it has effected my credit score. I  received a letter from them today for the first time they have ever contacted me. Not mine. The letter seemed to be copied on an old fax type machine, the envelope was scotch tape sealed ... very suspicious. I checked them on line and found that they have had complaints before. The letter was threatening and accusatory and made legal threats they can not engage in in Texas.
Product: Credit reporting or other personal consumer reports

NFCU has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.