23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I 'm not sure how I ended up with XXXX private loans, each one a different date in a different year. I only signed up for XXXX XX/XX/XXXX. A XXXX one was created XX/XX/XXXX that I never agreed to. Plus the semester I decided to try to finish my degree, I dropped my classes before the deadline so, that loan should have canceled and the XXXX one should have never existed. The reason XXXX told me they never received my notice that I was dropping my classes is because my student advisor, the department head, XXXX XXXX, had quit before my email was received. It 's funny how I never heard anything from a new student advisor? 
I decided to drop the program because I learned that it was a ficticious field of study and their were never any jobs available to begin with. In fact, XXXX dropped the entire curriculum a month or so after I dropped my classes. Apparently, I was the only student left taking classes in the first place. 
I was reluctant to sign up for that last semester because I had problems with the previous semester thus the need for a private loan. I feel as though the financial aid representative coherced me into taking the loan, knowing they were about to drop the entire curriculum. And I believe they fraudulently created the XXXX one. 
I did n't even find out the loans existed on my credit until XX/XX/XXXX while trying to obtain credit. Now, there is n't even anyone available to try to resolve the issue, they closed their doors completely. These loans are preventing me from obtaining the credit I need and deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with XXXX in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on XXXX and Equifax. The dispute results from XXXX came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. XXXX did not do any investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax because of Identity Theft and attached a police report and FTC and they have not removed the items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX 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: Mortgage

After checking my credit report and seeing a mortgage servicer on all XXXX bureau 's, I had informed them of ID Theft was involved in getting that mortgage and it was not mine, along with a few other situations on my report. They have not removed nor have they asked for anything but payment to them. I refuse to pay for something I did n't do. I did back in 2009 file an ID Theft report with the local sheriffs department to have placed on my credit reports to stop all illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have this account charged off - they show it in collection and there is no collection as they can not collect on this debt. It is from a criminal matter and sent them the District Attorney letter and the restitution order - which is useless as the criminal is XXXX and won't be able to satisfy the restitution to me and other victims. The problem is two fold ... they need to update the status so that the balance is not picked up as current which has been the case with other creditors, and they refuse to send me a 1099-C so the balance can be brought to XXXX which is of course, as you know is my legal right. They need to show it closed they need to send me a 1099-C so that I can rent an apartment. There are XXXX in charge off 's and most of the creditors even if they don't really want to will have to send me a 1099-C and bring the balance down to XXXX which will help me not end up homeless. They are doing this for spite.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I 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 it, 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 shall- i ) 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 ( il ) 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 : Incorrect names, addresses and employers
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason equifax thinks they have a different set of legal guidelines apparently
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} XXXX
Product: Vehicle loan or lease

I filed for bankruptcy in XXXX of XXXX. The company called everyday pretending to be a federal agency saying my bank account had be breached, my social security had been stole, I had a warrant out for my arrest, through out my bankruptcy processing. They continued to make impersonating claims of this manner. In XX/XX/XXXX the auto-dialer that made the same call every day with a different number had an dial number 1 to speak to a federal agent. I pushed one and someone on the other end responded XXXX XXXX. 
My mothers car recently got repossessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX phone number ( XXXX ) XXXX She was in bankruptcy too and they would not let up through the bankruptcy and after. 
They are still calling me. I still use my car but they are calling everyday with a new number and the same auto-dialer. I have filed complaints with the Federal Bureau of Investigations, Internet Crime complaint center because i thought it was a phishing scheme but they will not let up even though I have an automatic stay. They are a creditor and can not contact me for the purposes of repossession or any restitution of the loan that was vacated by the bankruptcy filling. When I communicated with Toyota Motor Credit Corp they seemed to be in complete agreement with the way their employee did business. 
The latests call was XXXX at XXXX XXXX  XXXX XXXX XXXX using phone number XXXX. 
XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX XXXX at phone XXXX. 
the list is endless every day for almost two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
Product: Debt collection

AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Product: Mortgage

I have requested my mortgage payoff 5 times from XX/XX/XXXX to XX/XX/XXXX and the company is refusing to send to me via fax or email. They state they will only mail it, they do not produce a tracking number, and i have not received my mortgage payoff mandated to be sent to me by law within 7 days of request.
Product: Credit reporting or other personal consumer reports

I am writing to formally XXXX dispute against Equifax regarding inaccurate information reported on my credit file of XXXX XXXXXXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the XXXX pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : XXXX Account Status Inconsistencies : 30 days late in XX/XX/XXXX. 

High Balance Discrepancies : XXXX reflects {$1100.00} as the high balance, this is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section XXXX ), creditors were required to provide special accommodations for consumers affected by the XXXX pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law.

Requested Action : Immediately correct every single discrepancies on this XXXX XXXXXXXX account. Correct all late payment entries during the period covered by XXXX XXXX XXXX from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " XXXX XXXX, '' " Date Reported '' and " Account XXXX '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the XXXX pandemic receiving the Unemployment Benefits from New Jersey XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the XXXX timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$1200.00}
Product: Credit reporting or other personal consumer reports

I am bringing to your attention a non-compliance issue with the Fair Credit Reporting Act ( FCRA ) concerning Experian 's reporting of an account linked to my XXXXXXXX XXXX account ( Account Number : XXXX ). After disputing the account due to concerns of fraudulent activity, I requested proof of the dispute resolution, specifically a scanned copy of a XXXX tracking number associated with the correspondence. Experian has consistently failed to provide this crucial information despite repeated requests. Additionally, there is evidence of further non-compliance as Experian received a second round of dispute letters on XX/XX/XXXX, responding on XX/XX/XXXX, surpassing the mandated 30-day period. I strongly believe Experian 's actions violate FCRA guidelines and have submitted this request to the Consumer Financial Protection Bureau ( CFPB ) to provide evidence of the timeline discrepancy.
Product: Debt collection

The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 Midland Funding Original creditor XXXX XXXX XXXX  {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX  XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX {$1400.00}
Product: Credit card

I am a victim of identity theft. As a result my checking account at XXXX XXXX  which had several autopay accounts including Citi Visa had to be closed and a new one opened. When I received a notice that my autopay payment had been reversed I immediately called to address that and make payment. There was a XXXX  day lag between payment due and payment paid. As a result I was charged {$30.00} returned check fee and {$9.00} in interest. I asked that these charges be reversed as this is the first time I have EVER missed a payment due date in my XXXX tenure since XXXX or Citi Visa since they took over XXXX XXXX management in XXXX. My request was honored. 
So I was surprised when I received my XXXX statement today and it includes another interest charge. I was told this was for that XXXX day lag. Well, if the service rep who took my payment had checked for any outstanding interest charges she could have included that. When I asked that these charges be reversed since it was due to fraud and not me, I was simply told I had used up my interest credits. NOT AN ACCEPTABLE ANSWER! 
XXXX Citibank needs to empower their service reps to think and take care of their customer. As a result I am now looking for a new card and XXXX is happy to step in! 

The branch manager was very happy to write a letter to XXXX Citi XXXX confirming the fraud situation and asked for a reversal of ALL charges.
Product: Debt collection

I disputed the collection with transunion years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

STEP 1 : What is this complaint About? 
This Complaint is about a Navient ( Sallie Mae ) Private Student Loan : This loan was executed on XX/XX/XXXX and disbursed on XX/XX/XXXX, in the amount of {$22000.00} plus {$880.00} in Fees for Tuition at XXXX University in XXXX Florida, for my Step Daughter. 

STEP 2 : - What type of problem are you having? 
I do not have the financial resources to pay the loan. 
My income is {$620.00} per month from Social Security, and the monthly payments on this loan currently is {$320.00}. 
Note : As of XXXX, I secured Seasonal Part Time Employment with XXXX XXXX. However, due to my XXXX XXXX, the XXXX and the recovery time, my income from XXXX XXXX for XXXX was only {$27.00}. The remaining years income from XXXX XXXX were as follows : XXXX {$490.00} ; XXXX {$2400.00} ; and XXXX {$3400.00}. 
ABOUT THE PRIVATE STUDENT LOAN : The Originating Lender was Sallie Mae Bank, XXXX, UT, c/o Sallie Mae, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. Navient took over this Private Student Loan in XX/XX/XXXX. The original loan amount was {$22000.00} plus Fees of {$880.00} in XXXX, and as of XX/XX/XXXX, according to Navients Account Summary the total current balance if paid today, is {$25000.00}. 
I have tried for the past seven ( 7 ) years to work out a payment plan with Navient that I could manage but I have not been successful. 
On XX/XX/XXXX, Navient sent me the repayment Options available to me, which are a One Year Interest Only Repayment Plan, a Two-Year Interest Only Repayment Plan, a Three-Year Interest Only Repayment Plan and a Four-Year Interest Only Repayment Plan, each having the payoff year of XXXX and payment amounts that I can NOT afford. 
In XXXX, I will be XXXX years old, if still alive. These terms are unrealistic terms financially for me. ATTACHMENT # 17 Navient Interest Only Repayment Plans 1 Page.
Product: Debt collection

I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft someone has been using my personal information to obtain goods and services using my personal information