23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When the Student Loan Forgiveness Act initially came out I spoke to what was then XXXX XXXX, now XXXX who carries my student loan. They said I had already consolidated and did n't qualify for loan forgiveness. Equitable Acceptance Corporation under the name XXXX XXXX Loans contacted me by phone. After giving them my information the representative stated that not only do I qualify, but I qualify for XXXX payment. I pay them closing costs XXXX or {$39.00} per month in closing costs. They will file for my loan to be placed on deferment while consolidating the loan and my payment of {$39.00} per month will begin XXXX XXXX until paid in full. The origional contact with this company ocurred XXXX XXXX, 2016. I recieved the initial deferment documentation via email. I received notification by email from XXXX last week indicating that my deferment was almost over. This made me question, because Equitable Acceptance was supposed to be taking the loan, so why would I be hearing from XXXX? I then received a bill from Equitable Acceptance stating they wanted {$39.00} by XXXX XXXX, 2016. I called XXXX today XXXX XXXX/XXXX/16 XXXX about the deferment. The representative indicated that I would be better off paying my monthly payment as is, because under the loan forgiveness act I would end up paying more per month and I will be paid off in less than 10 years. She then said Equitable Acceptance serves as a 3rd party representative, which they did not tell me. She indicated that I am paying them to do paperwork I can do myself, they have not filed for consolidation on the loan and are simply deferring the loan. She provided me with the phone number for XXXX XXXX XXXX XXXX XXXX to determine my rights and XXXX to determine if a claim has been opened under my social security number. I believe that I was given false information by this company and now they are going to demand I pay them a monthly payment to them under false pretenses while still paying on my student loan. They are not providing the services they indicated to me.
Product: Mortgage

We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.
Product: Debt collection

Barlcays Bank told me that I owed {$1200.00} from XXXX - XXXX and it was written off. 
I have called XXXX and they can not provide me with any information proving that I owe that amount. They can not provide me with any paperwork claiming this to be true. 
I have disputed it time and time again and have spent hours on the phone only to get a representative to say what's on their computer screen but not actually provide any facts. 
I have checked my credit and credit score. I have no outstanding debt, none written off, and a nearly perfect credit score. My credit report would definitely reflect any outstanding debt from XXXX. 
In fact, I've even checked my credit card from that time period and it says, " BARCLAYS BANK DELAWARE Closed EXCEPTIONAL payment history Date opened Indicates the date an account was openedXX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - $ X, XXX Payment Info Status Paid " satisfactorily '' Status date XX/XX/XXXX Past due amount - {$0.00} '' PAID ON TIME. 

I would like for them to take this note off their account and allow me to use their services again.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX 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 XXXXXXXX Accounts XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX Closed XXXX {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX  Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A written request for validation of debt was sent to LVNV Funding, LLC requesting validation of any legal responsibility owed to them, signed contracts, statements from the original creditor, proof of amounts owed to original creditor. Etc. LVNV Funding and Resurgent Capital Services failed to provide the proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting

I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Best buy/CBNA In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit card

I have three hard inquiries on my credit report. Two from capital one on dates XX/XX/XXXX and XXXX XXXX, XXXX which I never applied for these credit cards. I tried to talk to XXXX and they wont take it off. I spoke with capital one and they reported it as fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has not completed a reasonable investigation under FCRA and this is a violation of my rights. I submitted a dispute to Experian via certified mail regarding verification of a re aged account from department of defense from XXXX. This account was removed from my credit profile back in XXXX and reappeared on my credit report in XXXX. Experian received the dispute on XX/XX/XXXX via certified mail and I have receipt of my certified mail and a copy of my letter. 60 plus days have passed and I have not received a letter regarding the verification of this account. There is multiple inaccuracy the way this account is reporting on my credit profile. 
The account number is wrong XXXX XXXX XXXX this is the first XXXX numbers of my social security, which has been compromised. This is the wrong information and Experian has failed to properly do a reasonable investigation according to the FCRA. 
A reasonable investigation has not been conducted on this account in a 30 day period. 
After receiving my dispute I was not notified via mail that the account was in dispute status, nor was it updated to dispute status on my credit profile. 
Experian has violated my rights in the treatment of inaccurate of unverifiable information.
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. I would also like to see my signature on this account guaranteeing I would pay this creditor. I'm asking has there been any insurance claim found on this debt. I want proof on a change of title that you can collect on this debt. They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours. No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted.
Product: Credit card

I went to the doctor and I did n't have insurance, and so they unwillingly signed me up for care credit. I AM NOW BEING CHARGED ALMOST XXXX DOLLARS IN INTEREST FOR A CARD THAT I did not agree TO OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for rental with XXXX at XXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact XXXX rent and ask for a copy of the consumer report used. XXXX did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from Equifax. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. Criminal has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. Equifax informed me they have my accurate consumer information so the mistake is on XXXX. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using XXXX.
Product: Payday loan, title loan, or personal loan

I was informed by an unrelated party that on XX/XX/2021 an estranged family member was able to access my loan account, financial information, and allowed to make changes to the communication preferences such as changed the email to here and the phone to hers, and I wasnt XXXX to get into my account. They insisted it was the borrower ( me ) who made these changes on XX/XX/2021. They should never have allowed any of this to occur. My privacy has been totally violated and its irreparable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good Morning. Today at XXXX I began to submit a number of messages to my email for the use of my credit report./ Which I have no intention of. I have evidence of the theft of my information. I appreciate your support and prompt solution. All my credit information was stolen
Product: Mortgage

I recently received notice in the mail that my loan was going to be transferred to a new servicer. Today, XX/XX/24, I received a welcome email with details about my loan with the new servicer. The details of the loan are completely inaccurate. First off the email is addressed to an XXXX, which isn't me. After checking the status of the loan transfer on the company site the details about the interest rate and payment amount are completely wrong. What's the most concerning is that in order to check the details I had to provide the last 4 of my SSN, which was determined to be correct since I was able to view the details after providing it with the loan number. I'm concerned that my SSN is now being associated with some completely different person and their loan. I attempted to contact the new servicer to try and have the issue addressed but they told me they couldn't do anything because it was still in the transfer process and hasn't been finalized. I have attached the chat conversation that I had with them to try and resolve the errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my Transunion report that they say they verified with XXXX. I reached out to XXXX & they verified they do not have a bankruptcy on file for me. I also reached out to the US Bankruptcy Court & provided them my personal information & they didn't have a bankruptcy on file for me either. They also asked for a reference or file #, which they said I should have, there isn't one listed in my Transunion report. They also said they don't provide bankruptcy information to Transunion. I reached back out to XXXX & asked them to send me a copy of my report so that I could see for myself what is being reported. Again there is no bankruptcy on file for me. I'm attaching the XXXX table of contents that does not include a bankruptcy & the court document. Please verify the name & address is 100 % accurate in the bankruptcy Transunion is reporting. Verify the File date? Additionally, how did Transunion arrive at an : " Estimated month and year that this item will be removed '' Why is there an " Estimated '' & not an exact date? And why is it in 2025? 


I'm also including my personal bank statement & a partially redacted ( for security purposes ) social security card for identity purposes ; as to avoid receiving a stalling letter from Transunion as they have done in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Equifax. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Mortgage

Freedom Mortgage acquired my mortgage on XX/XX/XXXX. Previously I had an automatic payment so that my mortgage would be automatically drawn from my bank account. Upon acquisition I was required to setup a new account to be able to reset my automatic payment. However I have been unable to get that account setup, I have called in over 5 times, and spent more than 5 hours overall working with the company to correct the issue of being unable to have an account with them. The only response I have received is that because its in the first 60 days of transfer my payments will not be considered late ( due to regulation ). I understand the ability for companies to buy and sell mortgages, and would even be ok had I simply had to do the additional work of creating an account, but at this point over 5 hours of effort on my part to be required for a beneficial piece of service that was offered as part of my original loan being removed.
Product: Checking or savings account

On XX/XX/XXXX XXXX took out 2 charges on my account in the amount of XXXX and XXXX so when I seen those charges I try to contact XXXX on XX/XX/XXXX and was on hold for a long time so I dispute it with pnc bank so they open up a dispute on XX/XX/XXXX and when they did that I told them that I have an email that XXXX send me and the price was lower than they charged me and my car insurance is no where in being XXXX a month because I wouldn't of took them if it was. So on XX/XX/XXXX they reverse the charge of XXXX and XXXX didn't give me any notice on why and when I called them after I got out of work I called them to find out why they had me on the phone for over a hour and then hung up on me so I got no answer on why.