23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been disputing my loans since XX/XX/XXXX. I was on an income contingency program and my payments were {$0.00}. Then my taxes were taken. According to the Department of Education my taxes were not taken nor was I certified to have my taxes taken. I provided proof that my taxes were taken in the amount of {$6900.00} and they said oh yes they were taken but have ignore request after request to show were they were applied. I was then told that I consolidated in XX/XX/XXXX. I told them there was no reason for me to consolidate that I was renewing my XXXX information. About a month after my taxes were taken I was told my balance that was under {$5000.00} was now {$45000.00}. I keep asking for specific information in regards to where the balance of these loans came from and I keep being provided with an incomplete contract which does not even have my signature on it. No specific balance information has been provided nor where my taxes went. I filed complaints with the MN attorney generals office and the Department of Education did not provide specific information to them either. I then received notice that they were are intending to garnish me even though they can not validate the debt. I sent in 80 pages with a request for hearing and I received a response from the Federal Student Aid department that I did not provide any documentation and they are going to garnish me on a debt they can not even validate. They did not even give me a hearing! I provided proof that the so called consolidation that was paid in XX/XX/XXXX paid XXXX XXXX {$5300.00}. Far cry from {$45000.00}. As well as info that I was working on the income contingency program at that time, collection letters from 2 different companies on the exact same day one showing more than 2 times the amount owed on the exact same loans, documentation of the tax offset in XX/XX/XXXX in the amount of {$6900.00} and the tax offset of almost {$10000.00}, them showing that after these payments I still owe {$29000.00} of which is inaccurate, and the incomplete contract that they keep sending me. They are now saying if I do not like their decision I can file an appeal of which I can not afford. I am a single parent who has had more than 20 XXXX  and XXXX and work part time. This is harassment. Action Financial keeps trying to collect even though they can not provide specific information. They keep sending me the incomplete contract and then trying to bully me into paying what they can not even show where it came from. They keep sending me page 3-10 of  a contract that does not even have my name on it, is expired, and shows that I would have completed multiple tasks that are not humanly possible in less than 2 min. I have been told by a manager at the department of education that they can not provide me with the information as they do not have it. Direct loans has it and they went out of business. And then they continue to try to collect! Action Financial says they are collecting on loans from a consolidation in XX/XX/XXXXand the Federal Student Aid department keeps sending me documentation from a consolidation in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Product: Credit reporting or other personal consumer reports

Based On, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX reported a hard inquiry from Equifax XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX Bank authorization to run my credit a 2nd time for a home loan. XXXX Bank stated that the inquiry would be a soft inquiry because of a mistake made by XXXX Bank. 

A hard inquiry by XXXX Bank by Equifax XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX Bank stated the error was theirs. Still, XXXX Bank allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Product: Debt collection

I am writing to formally dispute the collection account associated with my name, account number [ insert account number ], which is currently reported on my credit report. I would like to express my concerns regarding this matter, as it has caused me significant stress and XXXX. 

First and foremost, I want to state that I have never signed any documents related to this collection or authorized any transaction that would lead to such a debt. Furthermore, I have not received any notice of collection or communication from your agency regarding this account prior to it appearing on my credit report. The absence of any notification has left me bewildered and concerned about the validity of this debt. 

The presence of this collection account is negatively impacting my credit report, which is crucial for my financial well-being. This situation has not only caused emotional distress but also has the potential to hinder my ability to secure loans, obtain housing, or manage other essential financial responsibilities. 

I respectfully request a thorough investigation into this matter and a validation of the debt in question. I believe that resolving this issue promptly is in the best interest of both parties involved. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to fix this problem and ask for verification, which I have not received.
Product: Checking or savings account

I received notification from SunTrust bank that six accounts were opened. I called along With my representative from XXXX that the accounts were fraudulent, not opened byme. Supposedly it was all taken care of but today I received temporary checks on four of the accounts that I did not open and I called SunTrustbank and they said it was on a freeze but still being investigated. This has been going on over two weeks and there should not be any reason why this is not resolved and that I am notified. They were absolutely no help today in resolving and putting a stop to this identity theft. This is not the first time this has happened to me because of my documents being stolen and I need confirmation of it being taken care of. I have to be diligent on these occurrences and need the bank to cooperate. Regards, XXXX XXXX The case # SunTrust gave me is # XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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: Student loan

I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. XXXX was no longer my student loan servicer. There were 14 loans consolidated XX/XX/XXXX there were no loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the XXXX and XXXX Federal Student Aid Loans  that were consolidated XX/XX/XXXX. 

Nelnet began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized Nelnet to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has XXXX been consolidating my consolidating my loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX?
Product: Debt collection

Asset Acceptance LLC is reporting the wrong Date of First Delinquency on my credit report. The Original Creditor, XXXX XXXX XXXX XXXX, is showing a first delinquency date of XXXX. Asset Acceptance is showing a date of XXXX. According to the terms of the FCRA 623 ( a ) ( 1 ) ( A ), the collection agency Date of first delinquency must match that of the Original Creditor.
Product: Credit reporting or other personal consumer reports

Starting in XXXX i have sent several dispute letters to XXXX with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per XXXX  the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX : [ JPMCB CARD ] [ XXXX ] XXXX : [ JPMCB CARD ] [ XXXX ] XXXX : [ JPMCB CARD ] [ XXXX ]
Product: Debt collection

I contact XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in our name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that we were behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. 
I have upload the communications to the company minus an original fax that was sent in XX/XX/2018 that I can not locate the confirmation page. Though, at that time, I sent the documents via email and mail. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Continued Review of Disputed Accounts Due to Identity Theft Dear Equifax Dispute Resolution Team, I am writing to reaffirm my dispute regarding the inaccurate and fraudulent accounts on my credit report, which were the result of identity theft following the Equifax data breach in 2017. As a victim of this breach, my personal information was compromised, and I have since suffered financial and credit-related harm due to unauthorized use of my identity. 

I have previously submitted disputes on these accounts and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my government-issued ID and proof of address. 

The disputed accounts remain unresolved and continue to negatively impact my credit report. To assist with the resolution, I am again providing a list of the disputed accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Given that these accounts are the result of fraudulent activity stemming from the data breach, I respectfully request a thorough review of my case and removal of these items from my credit report. 

Please confirm receipt of this letter and provide an update on the status of my disputes. I can be reached at XXXX should you require any additional information to facilitate the resolution process. 

Thank you for your continued attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to obtain credit causing an inquiry to be reported on XXXX XXXX, 2022 by XXXX XXXX. 

XXXX REPORTED ON XXXX XXXX 2022. 

CAPITAL ONE REPORTED ON XX/XX/2022 AND XXXX XXXX 2022. 

XXXX XXXX FINANCIAL REPORTED ON XXXX XXXX 2022.
Product: Checking or savings account

In the morning of XXXX, I received XXXX emails from Bank of America. 

The first stated I applied for a Advantage Safebalance checking account and was being processed XXXX, the account was approved with the account number listed. 

Lastly, online and mobile banking was approved and set up. 

I did not apply or open this account. It was fraudulently opened in my name. 

I contacted the Bank of America XXXX department whom immediately closed this account, put a flag out and fraudulent alert.
Product: Credit card

In XXXX, I opened a new card account with Discover, which was offering a XXXX percent APR for 18 months on balance transfers. I transferred a balance and, based on the advertised terms, was not expecting to see a payment for 18 months. Yet I received a " payment due '' notice for XXXX. The agent explained it is for a minimum payment, which was not described in the marketing materials. What's more, the minimum payment is equivalent to 24 % APR. This was deceptive marketing on the part of Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX  Act. # XXXX XXXX XXXX XXXX  Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX has violated my rights. 
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
Product: Debt collection

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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: Student loan

On XX/XX/2023, I sent a certified letter to Navient about inaccurate information they are reporting on my credit report. I asked that they removed the inaccurate information but they completely ignored me, and the information continues to be reported on my report which has caused me to be denied for credit and an apartment.
Product: Debt collection

I'm disputing owing any and all debts. I need this info to be deleted from my credit profile.