23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been having a difficult time making my monthly payments on my loan with  XXXX . In  XXXX , I had several  XXXX  student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding  XXXX   XXXX   ) a nd have had an increasingly difficult time making the loan payments.  XXXX  apparently bought the loans from  XXXX  and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by  XXXX .  <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named  XXXX  on  XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair.  <P/> Id appreciate any assistance you can provide and if you could please call me at  XXXX  to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance.  <P/><P/>  XXXX
Product: Debt collection

Zwicker & Associates, P.C. mailed me a collection letter on XX/XX/year>24 requesting to pay a debt that doesn't belong to them. I didn't authorized this company to have any information of myself or my finances. I request Zwicker & Associates, P.C. to prove any document signed by me authorizing them to collect any moneys from me and they didn't do it. 
Therefore, their actions are illegal and unauthorized.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Regarding Misrepresentation of Account Status and False Reporting** Dear CFPB, I am writing to file a formal complaint against XXXX AND EQUIFAX for falsely reporting to the Consumer Financial Protection Bureau ( CFPB ) that corrections were made to my credit account, which continued to incorrectly report as " late. '' Despite assurances provided to the CFPB and myself that the inaccuracies in my credit report had been corrected, upon reviewing my account on XX/XX/XXXX, I discovered that no such corrections had been made. The account in question is still reporting as late, which is inconsistent with the information provided to the CFPB. 

This misrepresentation has not only misled the CFPB but has also caused significant and ongoing harm to my credit score, thereby affecting my financial integrity and ability to secure financial services. The failure to update and correct the reporting as claimed has undermined my trust in the reporting process and has continued to impact me negatively. 

I urgently request a thorough re-investigation of this matter and immediate correction of my credit report. Additionally, I seek transparency regarding the communication that led to the erroneous report to the CFPB. 

Please confirm receipt of this complaint and provide a timeline for the resolution. I am prepared to provide further documentation as needed to assist in resolving this issue promptly. 

Thank you for your attention to this serious matter. I look forward to your swift response and resolution.
Product: Debt collection

I'm not under contract with Jefferson capital services. I have never signed a contract saying I owe this debt.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate reporting account in XX/XX/year> with XXXX and Transunion. XXXX has found that the account was indeed inaccurately reporting which is a violation to my consumer rights and removed the account from reporting. Transunion on the other hand never sent me a response or update from this account disputing. I recently just checked and the inaccurate account is reporting via Transunion. Transunion never held an investigation on their end and disregarded my dispute. XXXX removed and deleted account from reporting and to my understanding is that all 3 bureaus receive the same information on these accounts and should be reporting the same across all 3 bureaus. There is some discrepancies in this prior investigation with Transunion.
Product: Mortgage

After 5 months ( XX/XX/2019 thru XXXX 2019 ) with certified letters to Select Portfolio Servicing , Inc. to request the review of documents furnished by me that supports full payments of every month that I had the present mortgage, SPS continued to deny and did not look into the evidence verifying full payment of every mortgage payment from XX/XX/2019 thru XX/XX/2019. 

SPS told me that the missing payment would take months for them to clear my name with the credit reporting agencies. This information was reported to me most recently. 

Further, I had to go thru the re-financing effort with a new company and pay almost {$5000.00} to close on the new effort in XXXX because of the " missing payment. '' I just received a full payment check by SPS for their error that they never reported to XXXX   XXXX, the new Mortgage Company ; however, the credit reporting companies, to my knowledge, has yet to " repair '' the information furnished in error by SPS.
Product: Student loan

I called on  XXXX   XXXX  requesting options on how to lower my principal amount. Unfortunately, I went into  Income dri ven Repayment program but instant of seeing a deduction of my principal, I see an increase over and over. The amount stills $  XXXX  since my graduation date back in   XXXX  . I mentioned that I worked for th e    XXXX   XXXX   XXXX   for 8 years if any portion of my loan could be forgive, they said no. Their option was to add more funds to my payments, which is totally ridiculously. Specially, now that I found out that my position will be eliminated in  XXXX   XXXX . Therefore, I will be unemployed after  XXXX   XXXX . It saddens my  heart that  something that I did to better myself, pursue an  XXXX  had cost me such of major debt and nobody is willing to help me. I did n't said that I was n't going to pay, I was seeking for assistance on how to lowered my principal and eventually payoff my debt. The education format from  XXXX  is heavily criticized, all funds paid and was n't top notch education!! Please help me understand why I could n't get any positive outcome fro m Navient.
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 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 CERTIFIED CREDIT XX/XX/2022 CERTIFIED CREDIT XX/XX/2022 CERTIFIED CREDIT XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Atlas Credit Company is reporting a derogatory item on my credit file with XXXX, XXXX  and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires Atlas Credit Company to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX  and XXXX continue to report the derogatory item on my credit report. As of the submission of this complaint Atlas Credit Company has refused to provide the required information under Section 609 FCRA and XXXX, XXXX  and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
Product: Debt collection

I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were Bank of America and XXXX XXXX. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Product: Checking or savings account

A merchant tried to debit my account of {$500.00} ( not the exact amount but around that amount ), but my account did not have sufficient funds to cover the transaction. BBVA, my bank, blocked the transaction and still charged a fee. I do not think that's consumer friendly, and is a practice that they allow to profit from. Had the transaction went through, I would completely understand the fee, that's practical. However, the transaction did not go through. So, BBVA think it's ok to charge me a fee because of the attempt. That does not make sense at all, it is not consumer friendly. That's like me attempting to buy something  from XXXX, and my card gets declined. But since my card got declined, XXXX decides to charge me a {$38.00} fee. Not good practice at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 U.S.C 1692c. 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 in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

Repeated calls from XXXX National Commercial Services. The same Voicemail everytime.

" Hello this is NCS with an important message regarding an unresolved claim. Your insurance information or satisfaction of this claim is needed to conclude this issue. Please call XXXX to speak to your representative '' I don't have any outstanding claims. I've tried to call the number and no one ever answers.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - TransUnion, XXXX, and XXXX. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. 
TransUnion 's report shows an open date of XXXX, while XXXX reports the open date as XX/XX/2023 and XXXX is reporting XX/XX/ also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. 
I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX
Product: Debt collection

RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$370.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

As of XX/XX/year>, Discover Bank added a subsection to their Deposit Account Agreement that I believe is in violation of the Electronic Fund Transfer Act. They state that as long as they follow their security procedure, which I believe is woefully inadequate for a financial institution, that they are not responsible for an unauthorized wire transfer, " even if the transaction request was not intiated or authorized by me ''.
Product: Credit reporting or other personal consumer reports

According to credit reports Im experiencing damages that was not approved by me on my credit. This means that there has been a problem out of my control that needs fixing please and thank you.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Portfolio Recovery Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Account XXXX XXXX XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 received first letter claiming that they just purchased the debt along with attempt to collect. 

XX/XX/2022, Disputing the debt requesting debt validation. 

XX/XX/2022, Attempt to collect on debt without validation during the 30 days grace period XX/XX/2022 Attempt to resolved XX/XX/2022 Final Attempt to resolved XX/XX/2022 Debt collector delete my access online Also Multiple robo calls. All calls recorded.