23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of Drivers Licenses for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you.
Product: Debt collection

I asked Elevate Recovery to stop calling me, yet they ignored my request and tried calling at least two more times, which I was able to document : XX/XX/2022 and XX/XX/2022. Furthermore, a letter dated XX/XX/2022, was mailed to me with the alleged debt. However, I was not given the opportunity to dispute as I was alerted on XX/XX/2022 that this account had been reported to my XXXX credit report. I was not provided sufficient time to respond.
Product: Credit reporting or other personal consumer reports

I noticed more than several different Inquires on my credit report concerning all three Credit Bureaus, XXXX, Transunion, and XXXX. I did not authorize or have knowledge of submitting or applying for these companies. My information was stolen because of several different Data Breaches that have taken place that my information was housed at. These are the different Credit InquiresMontgomery Wards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIIRD TIME disputing this account : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX. This account is fraudulent and I have no contract with this company. I do not recall doing business or applying for this account XXXX  XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX.
Product: Debt collection

After several requests and sending validation of debt letters, PRA continues to report on my credit. PRA has lied stating that they sent me copies of my contract showing proof that the accounts in question are mine and that I opened them when that is not true. PRA failed to supply EVERYTHING requested in my letters including signed documents/contracts and instead I have only received copies of bills and letters from PRA stating that they will no longer reply to my request. I do not think it's right that PRA can continue to report this disputed debt to all three credit reporting agencies, further causing damage to my character. They submit meaningless statements as if that should be enough while completely violating my rights as a consumer to receive ALL requested documentation per my debt validation letters. They claim to care about the consumer when in actuality, all they care about is screwing over people. I will continue to dispute these accounts until the situation is resolved to my satisfaction.
Product: Payday loan, title loan, or personal loan

The Loan was taken out XXXX XXXX, XXXX since then My family and I have been struggling to pay our Rent and have food in the house every week we have XXXX come out that we could use for food or gas we are in the process of trying to get ourselves on track we took out XXXX loan to pay back XXXX thats hurting us bad.
Product: Debt collection

I am aware I have a debt to XXXX XXXX XXXX  for the amount of {$9600.00} XXXX XXXX sent this debt to a Debt Collector in XXXX. The name of the Debt Collector is XXXX XXXX XXXX. Because of the high amount being owed, I did not pay the bill, trying to find jobs in order to satisfy this debt. XXXX XXXX XXXX promised to offer payment plans once I found my job. I was recently out of school and XXXX. 

Without my knowledge, XXXX XXXX XXXX, sent the same bill to GENERAL REVENUE CORPORATION COLLECTION AGENCY. I did not received a letter advising me of this transfer from XXXX XXXX XXXX. The only communication I received from General Revenue Corporation, was an e-mail to my Personal E-MAIL. I opened the email on XX/XX/XXXX which is after the day they offered me to dispute the debt which was XX/XX/XXXX. I did not receive any communication via XXXX or calls. 

When I opened the email from GENERAL REVENUE CORPORATION to my surprise the amount they are billing me is now {$11000.00}. I called them to ask them why they have my a c count when the original Debt Collector was XXXX XXXX XXXX and they refused to provide information. I asked about detail disclosure of their fee of {$2100.00} and they refused to provide, simple stating it was a flat fee. 

I was never aware my debt to XXXX XXXX was sold to a different collection Agency. Per my call to XXXX XXXX they advised they no longer do any business with XXXX XXXX, but I was not aware. XXXX XXXX, also said, they could not remove the additional fees from the new collection agency, unless the account was sent back to them. 

I am in a position to pay the full amount owed to XXXX XXXX, ONLY. I should not be liable for the lack of communication between XXXX XXXX and their new contracted Collection Agency.

A quick search on the internet, will tell you they are unprofessional, rude and perform unethical collection tactics. 

https : //www.consumeraffairs.com/debt/general_revenue_corp.html
Product: Credit reporting or other personal consumer reports

According to all three credit bureaus : XXXX, XXXX and XXXX ; This account Southwest Credit Systems states that I had a previous account with them, via XXXX ; I did not have such an account ; They are reporting that I owe Southwest Credit Systems {$990.00} but that the original balance is {$970.00}. The company failed to send me an original contract that I signed between them and myself, because there is no such contract or binding contract that states that I owe them for any services that they rendered to me. 

The FCRA requires that credit reporting agencies and companies provide accurate and fair information in the credit reports of consumers.
Product: Mortgage

During Covid19 I was unable to keep up with my mortgage payments. I went online and requested assistance in XX/XX/XXXX. I never heard back and in XX/XX/XXXX I called. I spoke with a guy by the name of XXXX XXXX and was advised that he would wait until I hear back from them about the repayment plan.. I was heading into another month of late if I waited so I asked what amount could I pay until then to avoid foreclosure and he advised me XXXX I paid that amount with him over the phone which a few months of payments. I still had not heard back from the company so I called them and was advised on XX/XX/XXXX by XXXX XXXX that my account was in Foreclosure status and should not be! 
he called and emailed a few people and advised me to wait to hear back.. I then called back a few days later and got another rep that offered a repayment plan of $ XXXX month.. I agreed and paid a early.. I continued the payment repayment plan and they never updated my credit report to reflect the plan.. It continued to reflect past due months.. I then emailed XXXX XXXX my POC and still have not received a email back yet. I received an alert on my account reflecting it may be marked as foreclosed and I have no idea what's happening. Please Help
Product: Credit reporting

Equifax report received from XXXX XXXX shows an employer in XXXX, CA. 
I have never worked in California. It also shows a late payment from 2003! That should no longer be there.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting 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 correct : XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, Experian and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, XXXX or Experian. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between XXXX and Experian and the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. For the debt in the amount of {$780.00}, on my Experian report the last date of activity has XX/XX/2022, but XXXX has XX/XX/2022. And again, the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, XXXX has XX/XX/2022 and Experian has XX/XX/2022. For the payment history, XXXX is blank, XXXX is reporting on time payments an Experian is Blank. i have included all the letters i have mailed along with screenshots of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attached is a timeline of events, related to the XXXX Federal Direct Stafford and PLUS Graduate Loans taken out through Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX totaling {$61000.00} in unsubsidized loans using my social security number and an address I had over 30 years ago. I did NOT sign the Electronic Master Promissory Note. A simple internet search would show that the information on the application is incorrect. I have submitted an Edfinancial Services, Loan Discharge Application, yet it has been rejected for reasons unknown. How can I complete the Loan Discharge Application for False Certification for Identity Theft when the schools involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX will NOT give me information. I need some clear direction from Edfinancial Services on how to remove the loans from my credit file. Why doesn't someone arrest the student who is apparently attending the schools using my social security number and name. I'd appreciate timly information, sending letters 3 months after receiving them isn't working for me, especially when the loans are starting to come due. If XXXX score changes for non-payment on loans which are not mine I'll be angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~National Credit Aud/First Advantage and~XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.
Product: Debt collection

In the past three weeks I have been receiving e-mails about a credit card debt I had owed for a credit card that was not applied. The debt was for XXXX on a XXXX XXXX XXXX credit card that had not been issued. XXXX XXXX had been aggressively E-mailing me about this debt with a threat to negatively effect my credit score and sue if I didnt reply. I had contacted the company TrueAccord who had been issued the debt as a third party accreditation. They wanted more personal and federal information about myself and would not let me discuss my dispute or talk to a manager or administrator in charge. They agreed to remove me from the mailing list.
Product: Credit reporting

Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?
Product: Money transfer, virtual currency, or money service

I got a call from a scammer pretending to be my bank calling me back about people trying to to hack in my account and told me my money wont safe in the account and to withdraw it ..and he was going to instruct me on how to put it in a bitcoin account instead.. he instructed me how to do it and when I tried to access the account I found out all the money I put in the account went to the scammers account .. which was XXXX dollars .. all my hard earned money
Product: Checking or savings account

I noticed an odd transaction post to my pending transactions list on XXXX that was titled PURCHASE AUTHORIZED ON XX/XX/01 XXXXXXXX XXXX XXXX for a total of XXXX dollars. 
The WF site says it is in the category of " rental car '' I don't know where you could make a purchase of this nature on instagram. 

I immediately called WF to dispute this transaction and was told that I needed to wait until the transaction posted before the claim would be started. 
XXXX it posts and I'm out XXXX dollars, and awaiting feedback on what seems to be a clear cut fraudulent charge. 

I call on XXXX for an update - as I just received an email that my account has hit XXXX dollars ( I'm missing XXXX dollars and my insurance bills have auto-processed ). I was told that the system is processing things automatically and that there was nothing further that the agent would be able to do about expediting the dispute.
Product: Debt or credit management

Per this credit debt the company has not resolved the dispute predatory lending on the credit debt please go the credit account all the disputes I filed about the {$1000.00} credit limit now they wont let me pay this debt I tried to go to their bank and pay this and they won't let me pay the monthly fee wise the debt by my filings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX 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

I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. 

I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.
Product: Credit reporting or other personal consumer reports

Hello and good day, upon checking of my credit report recently I was shocked and alarmed to find several credit inquiries that appeared which I don't recognize and have never applied to. This is really concerning as my personal information have been used without my consent nor authorization and my credit report being accessed by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Submitted several disputes from XXXX About being a victim if identity theft