23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!
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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX, Chexsystems Inc, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA 609.

Chexsystems consumer ID XXXX XXXX XXXX consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX  opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX 20 fraudulent bank account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I no longer live at the address that is on file with the ways2go app i have tried to call the ways2go customer service line but it will not let me speak to a agent to try and change the address and have it resent out to my address that i live at or ask if they would be willing to send the money XXXX XXXX as a one time courtesy.

Please help anything at this point will help PLEASE.
Product: Credit reporting

I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account are remove the late payments to paid on time from my Transunion & XXXX credit profiles. This account is reporting inaccurate information on my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion are To date the inaccurate information no actions have been taken. I have attached all required supporting documents for your reference. I apprecigeate your assistance, and please feel free to contact me directly at XXXX if you need any additional information i have never received anything from XXXX XXXX  trying to resolve this issue... this reporting issue is cause me hardship
Product: Credit reporting or other personal consumer reports

I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the rights to privacy ( 15 USC 1681 ( SECTION 6 0 4 A SECTION 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Student loan

The original amount estimated for my monthly payments to EdFinancial Services was XXXX dollars a month with a term of 118 months a few days prior to the end of the national emergency forbearance. I made a request for an income driven repayment plan for Public Service Loan Forgiveness and was quoted an amount of XXXX dollars a month for the 120 payments need to qualify for PSLF. The current amount due as of the end of forbearance is XXXX dollars and the loan term is now 11 months according to the information given to me online. This amount makes zero sense and I did not agree to it anywhere. Attempts to contact the company are met with wait times of 7-8+ hours and promises to call back after XXXX but no calls back have been made. I have since made a consolidation request with the education department to turn these 4 loans with the balance of XXXX dollars into a single loan that would be qualifying for PSLF through an IDR with a difference servicer ( XXXX ) and do not wish to be stuck with this interest or the bad marks on my credit for not paying an exorbitant amount on a ridiculous term that does not adhere to the standard or extended payment terms for the amount I owe according to the Education Department.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$180.00} A letter was sent to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters and have not had any response. First letter was sent XX/XX/XXXX and second letter was sent XX/XX/XXXX. I have made multiple calls prior to this as well as sending a few letters. This has been going on for months without any response.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally demand the immediate removal of a fraudulent closed account from my credit report that has been erroneously and unlawfully reported. This account is in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be corrected without delay. 
I have reviewed my credit report and identified a closed account listed under my name, which I did not authorize, open, or have any knowledge of. This account is fraudulent, and I assert that the reporting of this account is not only incorrect but also damaging to my creditworthiness. 
According to Section 1681e ( b ) of the FCRA, TransUnion has a legal obligation to ensure that all information reported is accurate and verifiable. Since this account is fraudulent, it violates my rights under the FCRA, specifically the requirement for accurate reporting. I am requesting the immediate removal of this account from my credit report as it has no basis in reality.

I demand the following actions : Immediate removal of the fraudulent closed account from my credit file. 
A written statement from TransUnion confirming the removal of this account and an updated copy of my credit report that reflects the change. 
If this fraudulent account is not removed within the next 30 days, I will have no choice but to take further action. This will include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for damages as permitted under the FCRA. 
Please be advised that failure to address this matter in accordance with the FCRA may result in significant consequences for TransUnion, including reputational damage and legal repercussions.

I expect your prompt attention to this matter and a resolution within the 30-day time frame. Please provide written confirmation of the corrective actions taken. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have all reported collections on my credit report that do not belong to me. Specifically, the collection from XXXX XXXX XXXX, which states I owe {$510.00} for a XXXX account, is fraudulent. I spoke with XXXX XXXX from XXXX XXXX XXXX, who confirmed that my last name was spelled incorrectly in their records, and she flagged the account as fraudulent. Furthermore, the {$350.00} charge for one phone line is unreasonably high and inconsistent with XXXX pricing, which makes it evident that this debt is not mine. I never had an account with XXXX  on my own in 2022 ; I was on my mothers plan. 

In addition, a collection from XXXX XXXX XXXX, claiming I owe {$470.00} to XXXX, is also fraudulent. XXXX confirmed that I do not owe any balance and advised me to report this charge as fraudulent. 

What is troubling is that Equifax added the XXXX XXXX XXXX collection to my report after removing the XXXX XXXX collection, which had never been on my report to begin with. This raises concerns about the accuracy of the data Equifax is reporting and the lack of proper verification before reporting these collections. My last name was misspelled in XXXX of the fraudulent collections, further indicating that these records were never properly validated. 

I request that Equifax, XXXX, and XXXX immediately remove these fraudulent collections from my credit reports and thoroughly investigate the accuracy of the information they are receiving from the companies reporting these debts.
Product: Credit reporting or other personal consumer reports

Equifax provided XXXX with a score that wasnt mine, below XXXX, which caused me denial for an apartment. My score is XXXX. Minimum score required was XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks 1. Account Number : XXXX : XXXX Experian : XXXX 2. Payment Status : XXXX : 120 days late ( Late 120 Days ) Experian : 150 days late ( Late 150 Days ) 3. Last Reported Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX 4. Comments : XXXX : Canceled by credit grantor Experian : Account has been closed due to inactivity 5. Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX 6. XXXXwo-Year Payment History : XXXX : Several months marked as 120 days late in XXXXXXXX 
Experian : Different periods marked as 150, 120, 90, and 60 days late. 
XXXX. Date of Last Payment : Both reports agree it was on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX DOB : XX/XX/XXXX SSN : XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : Capital One Account number : XXXX Dates reporting NOT Accurate : XXXX, XXXX ( there were payment deferments set up ), XX/XX/XXXX and XX/XX/XXXX. 
Please fix this immediately as it is hurting my chances of buying a new and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I need your support to resolve the problem of a false account showing on my credit report. This has had a negative effect on my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate reporting.
Product: Student loan

Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX