23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After XXXX  school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a charge off from XXXX XXXX XXXX the amount stated is not correct. The credit reporting agency Experian never gave me anything in writing of how the determination of the investigation was done. This is under 15 U.S.C 1681i. Also I never contracted to have my privacy violated without my written consent. I have a right to privacy. I feel that the C.R.A is biased in there decisions due to being paid by companies to use there services. I would like this deleted from my credit report due to the violations and identity theft use of my ssn was not authorized.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: Debt collection

The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the name variations on my report with Experian well over 3 times already with them. They have yet to remove the 2 that I demanding be removed due to data breaches I'm involved in and identity theft. The ONLY name that should be on my report is XXXX XXXX XXXX. The XXXX XXXX and the XXXX XXXX XXXX need removed immediately. I just logged onto my report with them online and it still is not fixed. I will be attaching the letter I mailed them ( certified as well ) back in MAY demanding this be fixed and they still are not adhering to my demands. According to FCRA it is now over 30 days since I've requested this so now they are in violation. If this continues to be an issue I will get legal counsel and sue.
Product: Consumer Loan

I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX
Product: Credit card or prepaid card

XXXX ) MONTGOMERY WARDXXXX XXXX... XX/XX/XXXX... XXXX : {$310.00} XXXX ) GINNY'S/ XXXX... XX/XX/XXXX... XXXX : {$200.00} XXXX ) MONROE & MAINXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : {$100.00} XXXX ) XXXX XXXX OPENED... XX/XX/XXXX... XXXX : {$420.00} XXXX ) ASHRO/ OPENED... XX/XX/XXXX... XXXX : {$290.00} THESE ACCOUNTS WERE NOT MINE. I AM WORKING WITH FEDERAL TRADE COMMISSION, XXXX, XXXX, XXXX, AND XXXX. PLEASE SEND ME THE ORIGINAL COTRACT OF THESE ACCUNTS OTHERWISE PLEASE REMOVE THESE ACCOUNTS FROM ALL ( XXXX ) XXXX OF MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR OVER 20 YEARS. I AM XXXX XXXX XXXX, AND SOMEONE HAS KEPT ME FROM EVER HAVING ANYTHING. I WAS HAVING MY XXXX XXXX AT THE TIME OF THIS UNFORTUNATE WAS HAPPENING TO ME. I HAVE NOT APPLIED FOR ANY CREDIT WITH NO COMPANY SINCE FRIDAY ... XX/XX/XXXX. I HAVE NOT APPLIED FOR ANYTHING. I MUST GET HELP ABOUT MY ACCUNT. I HAVE BEEN IN EVERY BREECH THERE IS KNOW TO MAN. LIKE XXXX. I HAVE LOST SOOOOOO MUCH. I HAVE NEVER EVER BEEN ALBE TO DO ANYTHING WITH MY LIFE DO TO THIS. I AM A WIDOW 3 TIMES AND I AM OUT HERE BY MYSELF WHICH IS OK IF MY NAME AND SOCIAL WAS NOT USED FRAUDULENTLY. PLEASE HELP ME... THIS HAS BEEN GOING ON OVER HALF MY LIFE. ALSO CAN YOU CHECK TO SEE ... .WHY XXXX XXXX  NEVER REPORT MY MONTHLY PAYMENT TO THEM SINCE I HAD MY CAR ON FRIDAY ... XX/XX/XXXX. MY SCORE WOULD BE PERFECT IF THEY WOULD HAVE BEEN REPORTING MY PAYMENTS FOR OVER 5 YEARS NOW. AND YOU KNOW... ..IF I HAVE NOT BEEN PAYING ON THIS VECHILE FOR 5 YEARS NOW ... .THEY WOULD HAVE BEEN REPOSSED THE CAR. IT'S LIKE I CAME IN THIS WORLD TO HELP OTHERS, THAT IS WHY I BECAME A XXXX, TO HELP OTHERS. BUT LOOK WHAT IS HAPPENING AND WHAT'S BEEN HAPPENING TO ME OVER HALF MY LIFE. I AM A STRONG WOMAN BUT THIS HAS BEEN GOING ON SOOOOOOO LONG NOW, I DON'T THINK I HAVE ANY MORE STRENGHT TO KEEP GOING THROUGH THIS. I MUST FOCUS ON MY NEW LIFE THAT GOD HAS GIVEN ME. PLUS I'M GETTING READY TO GIVE MY SON A XXXX. PLEASE KEEP US IN YOUR PRAYERS AND WE WILL DO THE SAME. PLEASE FIX THIS ... THANK YOU GOD BLESS STAY SAFE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXBalance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Both equifax and XXXX show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???
Product: Debt collection

I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company
Product: Mortgage

From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I was into a trial period of a SECOND attempt to make my Mortgage affordable. I declined and consequently I fail into the previous mortgage leave me with a debt of {$1100.00} which I paid on XXXX/XXXX/XXXX. It was split as follow {$1100.00} for the trial period plus XXXX on the payment for XXXX. All payment that I had made are trough a Home Preservation Specialist and all the time I had been told that the amount that I did is to make my loan current which never had happened. On XXXX/XXXX/XXXX I have a new mortgage agreement as I will sent to you. It is called Re-cast/Re amortization which become effective on XXXX/XXXX/XXXX. I paid XXXX on XXXX/XXXX/XXXX. I paid XXXX in XXXX/XXXX/XXXX. My account activity today XXXX/XXXX/XXXX asked for {$1600.00} due on XXXX/XXXX/XXXX. My lender has been inconsistent placing my mortgage on the improper status. And lock of communication between departments. XXXX things happened at the same time ; ( 1 ) The XXXX Home affordable plan change from 3.5 % to 4.5 % on XXXX/XXXX/XXXX were also ( 2 ) I had a XXXX trial period declined for me. ( 3 ) On XXXX/XXXX/XXXX I had approval for new recast agreement Bank has not be enable to figure out how remove from de XXXX trial period ; adjust interest rate from previous mortgage plan. Deduct principal according to payments that had made. Since XXXX XXXX I have receiving XXXX statements by month. Last time that tried to setup automatic payment I was transfer to collection department
Product: Student loan

I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

This is an addendum to CFPB Complaint # XXXX. Attached is an addendum to XXXX XXXX Police Department XXXX # XXXX, filed on XX/XX/2022. The credit card institution 's, Barclays US Office of the President, has not replied to repeated communication attempts regarding the CFPB regulatory complaint. The complainant is going on record that payment of the disputed XXXX  credit card charge is being withheld by the complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am asking for an updated qualifying payment count regarding my federal loans under the Public Service Loan Forgiveness program. 

My counts are off considerably. 

Thank you
Product: Credit reporting or other personal consumer reports

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. I have listed the inaccuracies below. 

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Product: Debt collection

On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my right of having a credit freeze added to my credit file maintained by them in a timely manner pursuant the The Economic Growth, Regulatory Relief, and Consumer Protection Act. I was able to add such a freeze to my credit files maintained by XXXX in less than an hour, and I expect the same from Experian. 

I tried adding a freeze to my Experian credit file but once I finish filling out the form the website tells me Experian is unable to 'honor " my credit freeze and asks me to send in multiple documents including a police report showing I had reported fraud which doesn't even apply to me ( I have attached a screen shot of this screen ). 

On the same website, it also tells me that I have the right to request a credit freeze by phone stating, " If you wish to use one of our fraud prevention services, such as add or remove a fraud alert or security freeze, you can do so by visiting experian.com/help, calling XXXX XXXX XXXX  ''. When I try calling XXXX, an automated prompt answers the line and does not give me the option to request such a freeze and I believe such to be a deceptive trade practice as a consumer in the state of Texas XXXX I made an audio recording of these calls and will provide them if requested. 

I am making this complaint because I intend to bring a civil action if this does not prove effective in exercising my right to having a credit freeze added to my Experian credit file in a timely manner and in a manner compliant with laws intended to protect the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. Experian did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB to complain about Experian who is in violation of the Fair and Accurate Credit Transactions Act ( FACTA ). I have contacted them many times in regards to my identity being stolen. Even though I have provided them with an identity theft police report and supporting documents. They keep saying that relevant information was illegible and blocked out. This is a complete lie. I will attach my identity theft police report, so the CFPB can see that my identity theft police report is legible and clear to see. If they need more information then they can reach out to the detective who is investigating my case. I can only provide to Experian what has been provided to me. Different law enforcement agencies have different police report. This is out of my control. They are suppose to remove fraudulent information with a police report. Again, they continue to be in violation of the Fair and Accurate Credit Transactions Act. If they need any further information they can contact Detective XXXX # XXXX Incident report XXXX Phone # XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Credit reporting or other personal consumer reports

To whom it may concern I recently got a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX  XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint on Experian, XXXX, XXXX  and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as Experian XXXX  XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.