23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I never received any contact from FedLoan Servicing from XXXX XX/XX/2018. Suddenly I got a bill with interest accrued for all that time, at 8.5 % interest accrued. Now I owe over {$150000.00} for my son 's education through a PLUS Loan from XXXX. The usual amount borrowed was about $ XXXX per year. It was through XXXX XXXX in New York. I am going to be XXXX years old next year, and i will be paying this for the rest of my life. My son doesn't work due to XXXX, even though he graduated with honors. I don't think they should have compounded interest during the time I was lost from the system. It wasn't my fault I never received a bill. They even took 30 % of my social Security out for a half year until my representative, XXXX XXXX got them to stop. Is there anyway the interest can be forgiven?
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from MIDLAND FUNDING LLC. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data.

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.
Product: Student loan

I have two loans with ECSI from XXXX XXXX  : a XXXX ( XXXX ) at 5.75 % and a Busm Alumni ( XXXX ) at 2 %. On XX/XX/XXXX, i received a statement that said Payoff Amount for the XXXX was : " Payoff Amount thru XX/XX/XXXX : {$26000.00} '' These accounts were both already on recurring payments. 

On XX/XX/XXXX, I did a one time payment of {$26000.00}, which should have paid off the loan. 

Instead, on XX/XX/XXXX, that XXXX loan Payoff Amount was " Payoff Amount thru XX/XX/XXXX : {$37.00} '' and my recurring payment/auto-pay was cancelled. 

This is predatory practice of charges, fees, and account moves that I did not approve and was not made aware of that led to a late payment being reported to credit bureaus and my credit score dropping XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$990.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} Date OpenedXXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Mortgage

On XX/XX/2015 I was instructed by XXXX XXXX at Fortren Funding XXXX Id XXXX to issue a cashier 's check to a well known title agent. Before XXXX XXXX arrived to my home, she had contacted me earlier that day and instructed me to make the check payable to " I Abstract Title Agency '' She mentioned that she was working for '' Abstract Title Company located in XXXX New Jersey. '' When XXXX arrived at my home she presented XXXX different affidavits and had warned me that the title company had mixed up my identity with my late father 's identity. However, I noticed that XXXX had signed another 's name ( XXXX XXXX ) and was using tracing paper as well attached to a document that I partially signed ... ... ..So I then obtained a witness to watch me sign the correct affidavit stating that I was SOLELY named XXXX after my late father. Well. since then I have submitted numerous and repeated complaint amongst ALL these no good individuals where justice is now taking place and will be served on my behalf whatever it takes at this time after XXXX LONG years ... ... ... ..justice will be served
Product: Credit reporting or other personal consumer reports

TransUnion is reporting 3 opened fraudulent collections, XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$15000.00}, XXXX XXXX opened on XX/XX/XXXX in the amount of {$760.00}, XXXX opened on XX/XX/XXXX for the amount of {$520.00}, XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$2900.00}. 
XXXX fraudulent hard inquiries reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are being reported by XXXX, Transunion, XXXX.
Product: Checking or savings account

My sofi account was froze due to suspicious activity which they concluded was a violation on my part somehow and told me my acct was pending for closure and I have waited over a month to have my account closed and my money sent to me or transferred to external account but nothing has happened or changed my status I have called everyday for the last month and all they say is its a back office issue and they will email them on repeat
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing this account with this company numerous of times and haven't got a response. Instead of the company deleting the alleged debt like they did on my XXXX profile they decided to decrease the debt 50 % turning the debt from XXXX $ to {$1700.00} and fail to comply with the letters I sent them. This company did not do a correct investigation. I never got any supporting documents stating that the debt is mines.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX is when I took out the loan. I paid it off in XXXX. 
I tried to have the add-on insurance XXXX removed a couple months after getting the loan as I was not aware of what it what but that I would not be able to get the loan without it. Supposedly was supposed to be insurance I could use over the road or at home. I was told I had to get it. And the amount was different later after I got it. And they told me I could not have it removed from the loan. But I never used it and didn't even know what they really were adding on.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with Equifax and XXXX not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from Equifax and XXXX as they continue to ruin my reputation by reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person
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 15 USC 1681. 
Account name : The XXXX XXXX XXXX Acct # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have any contract with XXXX  XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/XXXX SS # XXXX-XXXX-XXXX
Product: Debt collection

A company I XXXX as " XXXX ' XXXX called multiple times claiming I owed them and that they were filling letters for recommendation of legal action. They never identified themselves as a company or stated whom I owed money to. The only thing they wanted was a credit card number so that I could " settle '' the debt before legal action was taken.
Product: Credit reporting or other personal consumer reports

EQUIFAXCONTINUES TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW.

DELETE THESE ACCOUNTS FROM YOUR RECORDS ASAP XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS : 15USC1681a ( 2 ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report.

YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. EQUIFAX, XXXX, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021.
Product: Debt collection

I received a letter from an agency called Credit Controll , LLC asking me to pay for an account I had with XXXX XXXX XXXX with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a short summary from a complaint that was just filed today with the Florida Attorney Generals Office, I also filled out a complaint with the Consumer Financial Protection Bureau and have made contact with an Attorney specializing in FCRA for Florida. 

I have numerous emails between XXXX XXXX representative : XXXX XXXX XXXX and Bankruptcy Specialist XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Fax : XXXX XXXX in which I have disputed this information 3 times with Experian and each time the report comes back not changed. 

Mr. XXXX has emailed me the letter in which my account was stated as XXXX balance and closed, settled for less than the agreed amount. When I submitted that letter to Experian they reported to me that the only way they can change the report is if XXXX XXXX  advises them too. It seems crazy to me that is the case when I have the emailed letter stating the facts. 

This egregious and intentional continued false reporting on my credit by XXXX XXXX along with the unwillingness to respond to emails and phone calls in reference to my issues can no longer be tolerated. As a disable United States XXXX XXXX, I am saddened that XXXX XXXX insists on a business practice based on purposely reporting incorrect information on credit reports and the negligent actions when questioned on the issues. 

I am happy that there is a recourse for me to work with in achieving a positive result moving forward. I am happy that I have tried numerous times to solve this at the lowest level and that XXXX XXXX 's continued unwillingness to cooperate just makes everyone else that is not involved jobs that much easier to bring me a satisfactory resolution. 

It truly did not need to be this way and I fully intended on working this out. With that said I can not continue to be ignored and falsely reported on by XXXX XXXX and have now been forced to take a different approach. 

I am willing to send additional information in the form of emails and letters along with my most recent credit report from Experian to show that the incorrect data still appears. 

XXXX XXXX
Product: Checking or savings account

When I opened my checking account I did so with a promotion for new account holders to be given a {$200.00} credit in their checking account when direct deposit was established and my debit MasterCard was used ten times. I met the qualifications but the bank is refusing to honor the promotion. I have called the 1800 number and spoke in person with two different local branch managers and messaged BMO Harris on XXXX. Everyone I have spoken with has agreed that I met the qualifications for the account but have stayed that if the promotional credit was not already applied then it would not be.
Product: Debt collection

I am writing to file a complaint against XXXX. I attempted to settle this account twice though XXXX. XXXX and XXXX XXXX. With XXXX. XXXX, I made a counter-offer to a their offer and sent money. The money was sent back and requested full payment. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from credit report on XX/XX/20. With XXXX XXXX, I received a phone call and I explained the aforementioned. The customer service representative made an offer. I requested for the offer to be put in writing. I never received the offer and the account appeared on my credit report. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from my credit report on XX/XX/20. With Source Receivables Management, I received a notice and I responded explaining the aforementioned. I never received a response or a bill. Instead, it later appeared on my credit report. In the recent dispute, the results verify the same account in the two previous disputes as accurate on XX/XX/20, where previously they were removed. I do not agree with the practices of the creditor to collect a debt when I have responded to all their notices/calls to settle debt. I have requested a cease of communication from the collection agency. The practices XXXX have exercised deterred my credit, which is what I was trying to avoid.