23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of XXXX XX/XX/2021, Sallie Mae has made weekly attempts to communicate with me either via letters or email communication about a student loan on which Im a cosigner. These communications treat the cosigner as the primary borrower, which, despite what Sallie Mae claims, is not the purpose of the cosigner. The purpose of a cosigner on a loan, any loan, is to serve as a backup to the primary borrower should the primary borrower be unable to or not make payments on the loan- the lender having sought repayment from the primary borrower first. 

On XXXX XX/XX/2021, I initiated an online chat conversation with one of Sallie Maes representatives to discuss what efforts Sallie Mae has made in contacting the primary borrower. All the representative could assure me of was that the primary borrower had received the same communications that I had received. 

I asked for the representative to confirm the primary borrowers contact information, including email and address on file. The representative refused to give me any of this information, despite the fact that I am the cosigner on the loan. 

You can not hold a cosigner financially responsible to the same extent as the primary borrower if you are not willing to share the same amount of information with the cosigner about the primary borrower on the loan. 

The agent then instructed me to view the communications stored in my profile to understand what the primary borrower would have received. This was an impossible task as nowhere on the online portal is there an ability to view or reference any communications sent by Sallie Mae. I do not have an option in my portal to view any messages, letters, or any other types of communications made by Sallie Mae to me. 

It is therefore impossible for me to determine if Sallie Mae has made any verifiable attempt to contact the primary borrower, and is therefore acting as a predatory lender in attempting to coerce the cosigner of the loan to begin repayment. 

Sallie Mae, in their role as the lender, is expressly breaking their obligation to attempt to collect payment from the primary borrower before defaulting to the cosigner. They, in effect, place the entire onus of responsibility of financial education and repayment solely on the cosigner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Product: Debt collection

NEW & UPDATED INFORMATION This will be the XXXX attempt of getting a debt validation from Receivables Performance Management they had said within their second to last response, which is attached that that they have sent Debt Validation on XX/XX/2022. It is now XX/XX/2022, and I have yet to receive anything from Receivables Performance Management. Again, the only thing that I received was an encrypted email from persons claiming to be Receivables Performance Management which I did not opened because of the possibility of a scam, and a letter from Receivables Performance Management of them attempting to " settle '' the account AFTER I have sent them my debt validation request. All of my supporting documents are attached. 

Receivables Performance Management also continues, after I have made them aware several times, to indirectly communicate with me about this alleged debt through the medium of my consumer report. At which point Receivables Performance Management is willfully and maliciously violating both the Fair Debt Collections Practices Act, and my rights as a consumer. 

If Receivables Performance Management, did in fact send the debt validation on XX/XX/2022 I ask that they send proof.
Product: Bank account or service

I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not.
Product: Debt collection

I received a letter from Diversified Consultants dated XX/XX/19. This letter communicates that my account has been placed with their office for collections. I mailed their office correspondence on XX/XX/19 requesting the debt be validated. 

I received a response from Diversified Consultants on XX/XX/19. As expected, the company was not able to validate the debt - they could not provide ANY PROOF that this account belonged to me. The company failed to provide sufficient proof of original documents/contractual agreement validating the debt as mine. 

In fact, the company has proceeded with reporting an unverified account to the credit bureaus.
Product: Mortgage

The mortgage company irresponsibillty put XXXX rates on my credit report. The credit bureau received all the information needed to remove this information from my report. I never was late. This has been a consistent problem
Product: Credit card

I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!
Product: Credit reporting or other personal consumer reports

I dont know the company I have no business with them
Product: Credit reporting or other personal consumer reports

In XX/XX/year> XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX hard inquiries on my credit report and did not have my authorization. They are ruining my credit and need to remove them immediately from XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Charge account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In XX/XX/2023, I discovered that somebody had fraudulently opened a credit card in my name via Bank of America and charged ~ $ XXXX on the card over several days. I discovered this via BoAs BillPay service b/c there were 2 small payments made ( less than {$100.00} each ) that my husband and did not make. We went into our local BoA branch asap and discovered that somebody had hacked into my online profile ( which I never use and didn't even know that I had ), ordered the credit card in my name, got the # s b/c the credit card was setup in my online profile, charged the ~ $ XXXX, and then made the bill pay payments. At the time, we were told NOT to make any payments against the credit card and the claim would be reviewed by the BoA Fraud Dept and resolved.

9 months later now, and we still do not have resolution of this issue. We have spent countless hours on the phone explaining again and again the issue at hand. Over the last 2 months, we've made a handful of massively inconvenient trips into the BoA branch office to attempt to resolve this issue. The BoA Fraud dept is only available until XXXX XXXX time which is also inconvenient. The folks at the branch office have been helpful, and seem to care and attempt to get the issue properly documented, but we keep getting denial letters. 
In the meantime, BoA has reported me to the credit reporting agencies, charged off the debt, and now my credit is getting majorly dinged thru no fault of my own. 
This has been unbelievably frustrating and time-consuming, and it leads us to believe that they just want us to pay the debt instead of fighting it.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Santander Consumer USA regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Santander Consumer USA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Santander Consumer USA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Santander Consumer USA complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by Santander Consumer USA.
Product: Credit card or prepaid card

XX/XX/2021 amount of {$890.00} in flight flees that I didnt authorize. The airline said they would reimburse me but PayPal is still trying to get me to pay the balance of something I didnt use. Ive been in an open dispute with PayPal and Im afraid that if this dispute isnt handled then it will affect my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was 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. XXXX XXXX XXXX Balance : {$79.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; 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 XXXXXXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the company Equifax is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of
Product: Credit reporting

IN XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided
Product: Vehicle loan or lease

In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, Equifax, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I accessed my electronic credit report through the free annual credit report/Eqifax database. Once I accessed my account, I discovered several inaccuracies of which I made an attempt to dispute. In the process of initiating my dispute ( s ), I was redirected to a different page within the Equifax database which ultimately denied me the ability to select the items I chose to dispute. In turn, I made multiple attempts to regain access, but was denied each time. Since the initial date of XX/XX/2019, I have made multiple attempts to gain access to the MyEquifax customer portal with my report file number to initiate a dispute, but was also denied access. I also made multiple attempts to have the issue resolved by calling Equifax, but even after proving my identity by providing all of the requested information, I'm still being denied access to my electronic credit file as of today ( XX/XX/2019 ).
Product: Credit reporting, credit repair services, 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 U.S.C 1681.

US DEPT OF ED/XXXX # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instruction.

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: Debt collection

I called in XX/XX/2018 to get a fee waived for late payment. I advised the representative the payment had been made a week before its due date. He indicated I had to many fees waived in the past, and I would have to pay the full amount because it was received late. I advised the representative I would pay, but to cancel my account. I sent in a payment for the amount noted. Sears went bankrupt and turned over collections to Citi Bank. I start receiving robo calls from Citi Bank in XXXX. I wrote a letter to Citi Bank XX/XX/XXXX asking for the calls to stop, and noting the account had been paid in full and canceled. I received a letter back stating to call their collections representative. I called and have not been able to speak to an individual. All the numbers listed go to a touch tone service for arranging to make payments. Since I do not have a Citi Bank account, the number for them simply cuts off. The collection agency reported the incident to the credit bureaus, and it has negatively impacted my credit rating.