23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, then XXXX XXXX  XXXX XXXX XXXX XXXX ( now XXXX ) repossessed a vehicle we financed through them after they cleaned out our bank accounts of one months income because of another issue we had with them. Since then the nasty employees at this institution have continued to intentionally falsify reports to the credit reporting agencies. It was immeadiately expunged by one of the agencies because they obviously saw the discrepencies in the reporting by this cu. I attempted to contact the credit union, of course to no avail, I filed a complaint with Experien, which went nowhere, Experien will no longer deal with me on this matter at all. I have the original letter from XXXX, dated XX/XX/XXXX, about the reposession, and a copy of their history file on Experien. As you can see, XXXX started reporting that the account was ok in XXXX of XXXX and then suddenly, in XXXX of XXXX, it was repossessed, over 4 years after the fact. XXXX did this intentionally so it would remain on my credit report longer. They are a vindictive lot!! Now ten years later, and I believe 7 years is the max for repos to be on my report, they are telling me it won't come off till XXXX because of how XXXX reported it. Any assistance in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account appeared on my credit report. I unsuccessfully attempted to contact Equifax to rectify the problem. I called the following numbers : XXXX XXXX XXXX XXXX XXXX The only number that I was able to reach anyone at was XXXX. The representative at this number told me I needed to call XXXX to file a dispute. I called that number twice and it rings for a long time until a I receive a recording that says something like there is no one avail take your call. Were sorry but your call will now be disconnected The other numbers I received from the chat function on the Equifax website.
Product: Student loan

I received a loan from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX. Before getting the loan I spoke to the school and advised them that I had XXXX and was not sure that I could attend as I would not be able to go to the campus very often or easily. XXXX XXXX assured me that this would not be an issue. The total loan amount I received from Sallie May totaled to around {$25000.00}. While attending the school I was also dealing with my medical condition and also working full-time. Without warning I was kicked out of the school from not being on the campus enough per week. I attempted to reconcile this with the school with no success. As I was paying on the student loan I noticed that none of the loan amount was ever refunded back to Sallie Mae. There were several courses, text books, and certification exam vouchers that I paid for with the loan, and I never received these materials from the school. I attempted to contact Sallie Mae to see if there was anything they could do with the school to have them return the remaining money for courses and materials that I did not use or receive and they would only advise me to contact the school. 

The loan servicer eventually changed to Navient. I kept repeating the process of attempting to have money returned to the loan servicer or for me to receive the materials and courses that I was not allowed to get from the school kicking me out. I still have not been able to get any progress on this. I don't feel I should have to pay the full loan amount for services or books/exam vouchers that I did not receive. 

Now, several years later Navient is not sending me any mail or anything regarding my student loan and am not able to make payments. It is listed as closed on my credit report but they are still reporting late payments on the account and it is still accuring interest.
Product: Mortgage

Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally 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 nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX   nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} Inquiries : 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 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  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1

681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) Th
e repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX
Product: Credit reporting

I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.
Product: Debt collection

I purchased auto insurance with a new insurance company prior to the next payment due, XX/XX/XXXX, on the last month of an existing auto insurance policy. I received a past due notice from XXXX and sent them documentation proving I was insured with another insurance company. 
Credit Collection Services was assigned my account XXXX, I contacted them and described that I had sent XXXX documentation proving I had other insurance. Credit Collection Services, CCS asked me to send them the same documentation, which I did. CCS sent a letter stating XXXX would not accept the documentation. 
I received a Status Update, dated XX/XX/XXXX, copy attached, and another letter last Friday, dated XX/XX/XXXX copy attached, offering a 50 % settlement opportunity. 
I am seeking your assistance in ceasing this collection attempt by CCS on a debt I do not owe. I have attached a copy verifying coverage prior to the last payment due.
Product: Student loan

WRITTEN LETTER I SENT TO THE CREDITOR NO ONE RESPONDED Subject : Request for Investigation and Removal of Inaccurate/Unverified Student Loan Information from Consumer Report To Whom It May Concern : I am writing to formally request the removal of inaccurate or unverifiable student loan information from my consumer report pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ). Upon reviewing my credit report, I identified student loan accounts that I believe are inaccurate, outdated, or unverifiable according to the standards set forth under the FCRA.

Legal Basis for My Request Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies investigate disputed information within 30 days and delete unverifiable information.

Further, 15 U.S. Code 1681c ( a ) outlines limitations on the reporting of certain information, including outdated accounts, while 15 U.S. Code 1681s-2 ( a ) prohibits furnishers of information from reporting inaccurate data. Based on these provisions, the continued reporting of inaccurate or unverified student loan data violates my rights under federal law. 



Details of Disputed Accounts {$17000.00} SLOAN/NELN XXXX DATE OPEN XXXX XXXX ALSO HAS IT REPORTING MORE THAN ONCE XXXX XXXX XXXX XXXX XXXX XXXX Actions Requested I am requesting the CFPB to initiate an investigation into the reporting of these student loans by the consumer reporting agencies and/or furnishers of information. Specifically, I ask that : XXXX. The consumer reporting agencies ( e.g., XXXX, XXXX, and XXXX ) be directed to provide verification of the student loan accounts within the legal timeframe. 

XXXX. Any unverifiable or inaccurate information be permanently removed from my consumer report. 

XXXX. Furnishers of information comply with their obligations under the FCRA to ensure the accuracy of data being reported. 



Supporting Documentation I appreciate your attention to this matter and trust that you will uphold the consumer protections guaranteed under the FCRA. Please provide a written response detailing the results of your investigation and any actions taken to address my concerns. 



Thank you for your assistance. I look forward to resolving this issue promptly.
Product: Mortgage

Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is XXXX years to collect any kind of debt. The original mortgage was with XXXX XXXX Mortgage and XXXX Mortgage, XXXX Mortgage forgave the debt and discharged it at the registry of deeds, XXXX XXXX Mortgage sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA, In the mist of all this my identity could possibly be at risk for identity theft.
Product: Debt collection

I XXXX XXXX, have been trying to dispute these fraudulent charges on my credit report due to the XXXX breach. There have been several accounts opened and inquiries made using my information.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX  XXXX credit card in the amount of {$5200.00} has been on my credit report beyond the timeframe. The debt is more than XXXX years old and must be removed from my credit report.
Product: Payday loan, title loan, or personal loan

This loan was charged off at {$3300.00} ( approximately ) in XXXX. When I hired XXXX XXXX in XXXX to challenge this item on my credit reports, Opportunity Financial changed the amount and retaliated against me by increasing the amount due on my credit reports to over {$5100.00} with no justification. Opportunity Financial has a legal obligation to accurately report the past due debt. Likewise, the creditors have an obligation to report accurate information which has been wrong now for more than 3 years.
Product: Debt collection

I have an account on my Experian credit report with XXXX XXXXXXXX XXXX that i '' ve tried to disputed a number of times and it keeps coming back verified without a proper investigation after i provide all proper documention.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX to cosign for an auto loan for XXXX XXXX. The salesman XXXX XXXX welcomed me and told me that I was cosigning the loan for 3 months, which I agreed to and signed. XXXX XXXX totaled the pickup while under influence of XXXX  and left the country afterwords. After I learned that he left, I inquired with XXXX and they asked for payment for the pickup. Assuming I am a cosigner in this joint account, I agreed to pay half of the remaining balance in the amount of {$15000.00}, which XXXX approved my offer and I paid this on XX/XX/XXXX. 

After paying, I disputed with credit bureaus and they disputed with XXXX XXXX and I learned that I was listed as a buyer, not a cosigner in the loan. As stated above, I was never a buyer in this loan. Currently, XXXX XXXX is saying that I need to bring proof that I was not a buyer and they will let me go free. But the XXXX XXXX XXXX is not listening to my complaint.
Product: Debt collection

Cash Call have listed a charge off on Credit Reports.Cash Call is reporting accounts are invalid and unverified. I have sent multiple letters asking for my signature on any loan application they are indicating that is mines. Cash Call have sent me a billing statement. they did not send an application with my orginal signature that I have request more than once. 

if they can not produce a application with my signature on it, I want Cash Call to remove the item from all my credit reports they are reporting incorrectly per the FCRA/FDCPA. This reporting is causing me anguish and slandering my good name. 
Account Name : CASHCALL Account number:XXXXXXXX Amount : ( {$5000.00} )
Product: Vehicle loan or lease

I RECENTLY SUBMITTED A DISPUTE THROUGH THE CFPB ABOUT SANTANDER CONSUMERS INTENTIONAL PREDATORY LENDING AND INTENTIONAL FRAUDULENT REPORTING OF FALSE INFORMATION OIN MY CONSUMER CREDIT REPORT. I RECENTLY FILE A CFPB COMPLAINT AGAINST SANTANDER CONSUMER FOR REFUSING TO SEND THE REQUESTED DOCUMENTS IN ORDER TO VALIDATE THIS ACCOUNT. IN THERE RESPONSE TO TO MY CFPB COMPLAINT THEY SUBMITTED A FRAUDULENT CREDIT APPLICATION THAT I HAVE NEVER SEEN OR SIGNED THAT HAD A FRAUDULENT SIGNATURE. FRAUDULENT EMPLOYMENT INFORMATION AND XXXX SEPARATE DOCUMENT WITH XXXX COMPLETELY DIFFERENT ACCOUNT NUMBERS COMMITTING CLEAR FRAUD!!!!! THIS ACCOUNT WAS OPENED AT THE TIME OF THEIR PREDATORY LENDING LAWSUIT AND IM A CLEAR VICTOM THE PROOF IS IN THE DOCUMENTS SANTANDER CONSUMERS RESPONSE TO MY PREVIOUS CFPB COMPLAINT FILED THIS YEAR..I HAVE SUFFERED PERSONAL DAMAGES AS A RESULT OF THESE FALSE CREDIT REPORTING TOTALING {$200000.00}
Product: Debt collection

I purchased a phone from XXXX XXXX with XXXX XXXX XXXX  provider. I purchased onXX/XX/XXXX and XXXX XXXX XXXX could not transfer my old phone number onto the new purchased phone, so being unsatisfied I returned the phone to XXXX  on XX/XX/XXXX, 8 days later. I was given a receipt that I was fully refunded and the account was cancelled since I did not use the phone only to activate. XXXX XXXX XXXX XXXX XXXX   started sending me computer generated bills stating I owed them for over {$600.00}. Then XXXX revised bill and continue to state that I owed {$100.00}. I am now receiving debt collection threat letters. I have visited and called XXXX XXXX XXXX  provider stores trying to resolve this. I went back to XXXX  in XXXX XXXX, CA that the phone was indeed returned within 14 days and a full refund was issued. XXXX XXXX XXXX has now discredit me by placing a collection debt on my credit reports. After calling XXXX XXXX XXXX for the 4th time and explaining and giving receipt info, XXXX XXXX XXXX  still refused to stop discrediting my credit reports with a negative rating. Please see attached documents showing proof I do not owe {$100.00}. XXXX XXXX XXXX is misleading the consumer and practicing unauthorized accounting practices, by charging a consumer for unfair fee charges. CFPB needs to have this audit/investigate so they don't continue to overcharge consumers. As a consumer, XXXX XXXX XXXX failed to transfer my old phone number which had all my business contacts then consumer, I, did return the phone within 8 days. XXXX was trying to force me to purchase another phone number and I did not want that for my business established with my old phone number. After speaking to a few XXXX XXXX XXXX  customer reps, I was told this account would be closed and no monies owed. I asked for a confirmation email and a letter in writing. XXXX XXXX XXXX customer service stated that everything was removed and they could not send me a letter or email. This is unfair to the consumer. I told them I was a senior and wanted to keep my credit update and in a positive reporting status. I was told again that, not to worry that they noted everything on the account and it was fine. I feel that XXXX XXXX XXXX took advantage of me as a senior and I also believe they are bias in the their customer service. The 5th time I called to complain that I continued to get not only bills from XXXX XXXX XXXX  but not a collection agency. I was met with a very rude customer service who said I was not understanding or listening that I don't need to do anything, because everything was removed and closed! All of the conversations, I asked for an ID or name and was never given one. I was constantly transferred and put on hold for over an hour. XXXX XXXX XXXX does not care about the consumer, only to gouge money out of seniors and make them pay for overcharged fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX. XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX not mine XXXX XXXX XXXX. XXXX XXXX {$110.00} not mine XXXX XXXX. XXXX XXXX {$130.00} not mine
Product: Student loan

ECSI has limited options for student loan repayment that do not involve a fee. The direct payment option is frequently not available, which can make it impossible to make a payment on time without choosing an option that involves paying an additional fee. Also, I can not find a way to contact the company by phone so I can talk to someone.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX  - Account # : XXXX - Reporting Balance : {$0.00} ( Charge XXXX Company Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - Account # : XXXX  - Reporting Balance : {$690.00} ( Collection ) Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX  - Reporting Balance : {$680.00} ( Collection )