23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : XXXX XXXX XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Graduated and walked with graduating class at graduation and then received a letter a week later informing me of a mistake! Stating the school had me pay for and take a class unnecessarily taken to graduate! That I also still needed one other class to graduate and receive the degree I was told I had already completed requirements mandatory to complete! Was unable to return until the following semester to complete needed class and by that time I was informed I need 3x the amount I had previously needed! Never received degree and all the money and time that I spent my time putting into obtaining it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi

ng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : XXXX XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

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

TransUnion claims that its policy is in accordance with the Fair Credit Reporting Act, however it has allowed XXXX XXXX to pull my credit history without showing or providing proof that it had done so in the very same accordance of the Fair Credit Reporting Act that they claim to be upholding. Again I had not requested or shown interest in any loan product that XXXX XXXX was offering. Should XXXX XXXX produce evidence to the contrary then I will accept the information as reported and provide a letter of sincere apology to all involved.
Product: Mortgage

I attempted to close on my property yesterday. My property was originally purchased using Embrace home loans but they sold the mortgage years ago to XXXX. This peoperty is paid in full and I have not had dealings with embrace in years. Embrace placed a lis pendens on the title XX/XX/21 and I was not able to close because of this.
Product: Vehicle loan or lease

I got into a car accident before XXXX  of XX/XX/year>, the dealership, Midpoint Auto Group advised they would pick up my vehicle, and repair it once deductible was met if {$500.00}. I paid the deductible and they advised they needed to order parts and that it would be down the following week The next week came and my vehicle was not ready and they said it was because I owed a payment so service wont work on a past due account. Once I made the payment still no repairs were done and there was no estimate of when it would be ready. I have lXXXX XXXX XXXX due to this situation not having reliable transportation and not to mention the stress of trying to juggling it all thinking I would get my vehicle back. After some investigation last week, we found my vehicle not at the dealership body shop but a third party shop where he vehicle is in pieces still.and now they wont work on the vehicle because I am behind m when no work has been completed while Ive been current either
Product: Credit card or prepaid card

TD Bank issue a credit for my XXXX account a couple of years ago when I bought a XXXX  XXXX phone. I finished paying the loan on the phone and after 3 month I decided to cancel the premium insurance since I own the phone., At the time I closed the account on XX/XX/XXXX and paid full balance on the account, and I was told the account was closed. 
A just got a letter dated XX/XX/XXXX, telling me my account has been closed, but I I owed them {$12.00} for Premium insurance for XXXX. 
I called the bank again and asked, Why do I owed them money since I closed the account, they said that as longer XXXX doesn't closed the premium insurance, I have to pay the bank for it. I don't understand. Are they a credit card company or a XXXX company. I have called XXXX a second time to closed the account. this time I got a ticket number XXXX but if they keep billing the bank TD bank, how do you close the account with the bank. It seems to me that they are doing this purposely. Please help. Thank you
Product: Student loan

Recently United Student Aid Funds , Inc. sold my student loan to XXXX XXXX XXXX XXXX XXXX During that time, {$13.00}, XXXX in collection fees have been added to my account. I am questioning the legality of added such a high collection fees when my account was sold 2-3 times within 6-12 months. First, XXXX XXXX had my account then United Student Aid Funds , Inc next XXXX XXXX XXXX XXXX XXXX XXXX With such large collection fees being added to my account so quickly, I will never be ab le to pay down on my student loans. 
I have filed a complaint with the XXXX XXXX. of XXXX recently and it has been escalated to the XXXX XXXX at this time. 

Please look into this issue and the legality of such high collection fees. 
Thanks.
Product: Money transfer, virtual currency, or money service

Whenever I had a CashApp issue I called to get help from a live agent which originally wasnt available. So any issues I had with fraud or inaccurate transactions were not corrected
Product: Credit card or prepaid card

On XX/XX/XXXX, by invitation of XXXX XXXX to his new place, XXXX XXXX, my Citibank Visa card slid out of my XXXX case. XXXX XXXX, accessed it. He charged me {$2700.00} for lenses and frames that I DID NOT authorize. I never saw him swipe my card. I did not sign for any purchase, was not given a receipt, and was not even aware of the charge until later on. He ONLY gave me a pink copy ( # XXXX ) from his pad noting frames of interest for the future. A serious medical condition precludes my getting a prescription and we discussed this. 

On XX/XX/XXXX I notified Citibank of the fraud. Citibank refused to remove the false charge and contacted the XXXX. The XXXX reworked the # XXXX copy he had into a FORGED authorization, sent to Citibank, purporting to have my signature for order and receipt of glasses. Every Citibank lower level compliance person saw that it was obviously a fraud and kept extending the open complaint. Then a high manager, no name, called and told me to go away and stop bothering them and they didnt care what I showed or said, they are going with the merchant. 

The amount on this pink # XXXX that he gave to Citi says {$1400.00} NOT {$2700.00}. It is full of phony prescription info that may be from XXXX XXXX  glasses bought in XXXX at his previous location before he went bankrupt and closed. He returned to XXXX in XXXX. Citi also sent me a SWIPED credit card copy that has no info on it except a tiny forged signature purportedly of mine for {$2700.00}! I obviously never had that. 

Citibank accepted the forgery as " proof '' that I authorized the purchase for {$2700.00}. They refused to remove the false charge. I resisted paying this abomination and went to the local police who agreed with me but did not pursue the casetoo busy they said. I could not pursue this in small claims court because of the Covid-19 plague. The lawyer we contacted wanted too much in fees. I have full documentation to submit to the CFPB if necessary, and my police report.. 

Citibank then lowered my credit rating from XXXX to XXXX and I had to pay the money to avoid further damage to my credit. The XXXX  stole this money BUT Citibank allowed it by not reversing the false charge even though I gave them proof of the forgery!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I defaulted on a loan with Tower Loan @ XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX. The default was due to losing my job. In XXXX of XXXX I contacted this company to obtain the amount owed as I wanted to pay them. I was quoted an amount that was significantly higher ( more than double ) than what was recorded on my credit report. I could not afford to pay the large amount at that time, so I did not take any further action. Later in XX/XX/XXXX, I noticed an inquiry from Tower Loan on my XXXX XXXX and XXXX credit reports although I had not applied for credit with this company. At that time I called the company to ask about the inquiry and I was told by the manager that they have a right to check my credit because I still owe them. 
In XXXX of XXXX I was sued by Tower Loan and my wages garnished to pay the debt. Since that time payments have gone to Tower Loan uninterrupted from my paycheck. 
On XX/XX/XXXX I noticed another hard credit inquiry from Tower Loan although I have NOT APPLIED for credit with them. I called the office the next day and spoke with " XXXX '' who identified himself as the Manager. I asked him about the recent inquiry and he stated as follows : " Yes I made the inquiry, It was a mistake. We have the right to check your credit every 30 days, but I am working to get it removed ok. Okay, have a good day, bye bye. '' after saying his piece he hung up the phone although I was trying to speak. 
I am very concerned as to why Tower Loan is still able to make Hard Inquiries on my credit even though they have sued me and I am paying and fulfilling my end of the agreement. Regardless of my efforts they continue to haunt me. Is this legal? Can they check my credit " when they feel like it? '' Is this an infringement of my privacy? What can be done to stop them and remove the inquiries?
Product: Student loan

i called on XXXX  XX/XX/2023 was on hold for XXXX hours and my son sent an email to them concerning my bill. We were suppose to hear back within XXXX business days and today makes XXXX business days since my son sent the email. I called the place again today XX/XX/2023 and in the conversation with customer service, the lady told me that they had sent an email out on XX/XX/2023 for payment due by XX/XX/2023. However, i have never received an email at any point during XXXX or after the date that the customer service lady gave. The bill i received on XXXX  XX/XX/2023, was the first time i received any information about payment for my loan from this servicer. On this bill, there was a notice of a past due on payment for the XX/XX/2023 bill of the amount of {$51.00}. This was combined with the payment for the next month due date which is XX/XX/2023 for a grand total of XXXX due by XX/XX/2023. 

Comment from the customer lady was that they only send out notification of bill by email and not mail. The only reason you received a paper bill in the mail is when it is late.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXXXXXX number XXXX ( CLOSED ACCOUNT ) payments late year XXXX  and charge off years XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX final rule 1002. 142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed documents to be blocked and deleted company TransUnion. please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed a dispute in regards to incorrect items on my credit report. At this point and time it has been well over the required 30 days and I still have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I had a home loan through rocket mortgage, it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on XXXX XXXXXXXX and one other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

XXXX and XXXX stated they needed a statement or something from Rocket mortgage stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in rocket mortgages statement verifying it was me. These credit bureaus said that that was not enough, rocket mortgage cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.
Product: Credit reporting or other personal consumer reports

According to the FCRA, consumers can dispute inaccurate hard inquiries on credit reports and if the credit bureau finds the inquiry was unauthorized and in error they must remove it. These hard inquiries are in fact in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I had a prior collection dispute with Equifax for this same account that XXXX XXXX was inaccurately reporting. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX and XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Equifax.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing all other names and addresses. These other forms of my name are not correct historical data. 
incorrect historical data listed below : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address- XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Address- XXXX XXXX XXXX Incorrect Address- XXXX, FL XXXX Incorrect Address- XXXX XXXXXXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account : XXXX XXXX.
Product: Debt collection

I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.
Product: Debt collection

On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The XXXX case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is XXXX XXXX XXXX, XXXX violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX XXXX XXXX Claims Division on XXXX XXXX, XXXX? Massachusetts Statue Limitations, Chapter XXXX, Section XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.