23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. 

There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. 

I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. 

I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.
Product: Mortgage

On XXXX I received a call from the sales manager / loan originator named XXXX XXXX XXXX NMLS ID # XXXX ) from Contour Mortgage. I have never spoke to him before and this was the first time this person reached out to me. He started YELLING at me on the phone and bullying me saying that I'm " already getting an unheard of rates '' and that " I don't want to deal with your files anymore, they have been on my desk for over a month '' - all because I said that I don't want to pay for a lock extension that was due to the lender lagging on their end. He then told me that I can walk away and not close my loan ( I already spent money ( {$1700.00} ) on three appraisals for three concurrent transactions ). Very rude and unprofessional individual that should never be put in a position of power and speak this way to any client.
Product: Debt collection

Hi I am writing today on behalf of reviewing my credit report and for years Ive tried to resolve this account listed in my name. I believe my information got into the hands of someone and this account was applied for without my consent .. at the time I was still in high school and Ive been trying to get this resolved for years with no hope Ive submitted many fraud disputes over the years and only in return received a letter with a XXXX XXXX bill stating consumer disagrees. A bill in fact does not provide proof that a account is mine or was in anyway possible accrued by me. I would like strict proof a wet signature that verify this account was created or applied for by me or simply delete this account. Its 17 years later and this fraudulent account is affecting my credit worthiness and a defamation of my character. I ask that you would please consider the removal of this account Ive filed identity theft reports # XXXX with Identitytheftreport.gov also with the consumer protection bureau. Please provide a wet signature or strict proof or remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Transunion and XXXX, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I applied for private student loans in XX/XX/XXXX with my parents as cosigners. My parents were denied, but the loan was approved for me at a higher interest rate than I had applied for with an additional 9 % origination fee. I signed the money over directly for tuition.

After graduating, I worked with a financial management company to help organize my bills and make sure everything got paid. Iowa Student Loan refused to tell me how much I needed to pay to be caught up and how much my payments would be once I was caught up. At that time, in XX/XX/XXXX, I legally contested the debt. Iowa Student Loan did not respond.

In XX/XX/XXXX, more than 13 years after having legally contested the debt, I was sued. My attorney has spoken with Iowa Student Loan people multiple times. I am XXXX and my federal student loans were discharged due to XXXX XXXX   XXXX XXXX. My attorney was told that Iowa Student Loan would discharge the debt because of XXXX. I provided proof of XXXX as well as proof that my federal loans had been discharged. In XXXX, I received an order to expedite, claiming that I had not responded to the original complaint. They have agreed to dismiss with my attorney, but they are still pursuing directly with me.
Product: Debt collection

Jefferson Capital Systems , LLC I have asked them not to contact me and this account went from XXXX to XXXX it was XXXX that went to XXXX XXXX and now Jefferson Capital Systems they said it was back in XX/XX/2019 It's like every time I say stop contacting me they continue to sell the debt to someone else it seems like they are trying to find some loop hole
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Collection agency Name XXXX XXXX XXXXXXXX XXXX Collection agency address XXXX XXXX XXXX XXXX, NJ XXXX Account name XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Product: Debt collection

I have proof that they are scamers. Im going to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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.

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 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian updated my credit score. The score went down XXXX points without reason. All my credit cards are at {$0.00}. Everything paid. Experian does not have an explanation. I called. The system will not give me an explanation. Furthermore the system does not allow me to speak with a live agent
Product: Debt collection

Upon calling the phone number on the letter from American Express I was routed to a collections department in XXXX, at which time I requested to speak to someone in America to handle my American Express collection. I was told by the operator that no one in America was able to accept my call at this time ( XXXX on XX/XX/2020 ) and that they would update my account to reflect this request. It is now XX/XX/2020 and I have not only never received communication from the company, and I have been notified that the debt was sold to another creditor. 

These debt collectors were calling my phone non-stop. American Express was calling my phone within seconds of another call in which I have ample evidence indicating this. Not only are these collectors using spoofed Michigan phone numbers, calling my phone in a relentless manner, but they are also calling my phone at all times of day including collection calls at XXXX Arizona time. Although the debt collectors may not know my exact location, they know based on my address on file, the time zone of these calls is not only inappropriate, it is illegal. In Arizona specifically, Arizona law prohibits debt collectors from engaging in a range of deceptive and intrusive tactics when collecting money on behalf of a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute '' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.
Product: Payday loan, title loan, or personal loan

I got a home equity line of credit with TDBank in XXXX, XXXX For well over a week, my attorney, real estate agent and myself have been promised a HELOC letter stating the payoff balance as I have sold my home and need to pay off the HELOC in order to close on the property. TDBank staff initially stated that I simply needed to stop by their lobby to get the letter - that was not accurate and they turned me away stating they would need a 1 day turnaround. After one day, we were informed that a 3 day turnaround was needed - that was not accurate and we were informed that a seven day turnaround was needed. After seven days, I still have no letter. I have been infromed that the rate lock is good only until today, XX/XX/2020. I am angry and frustrated and getting no response whatsoever from TD bank. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters multiple times to Transunion to remove these Hard inquiries and they will not comply. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX  XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of information
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my written permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ). I did initiate business with your company for an extension of credit. Whilst I am thankful for our business relationship, I did not give XXXX XXXX XXXX XXXX written authorization to list the inquiry on my credit report. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for collection as the account current and the credit is being used responsibly. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 
AND To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020 my work was seriously impacted by the corona virus.I always made some sort of payment but was having a hard time as work was cut in half and my children were no longer in school. I feel these things should be taken into consideration and know that as soon as work picked up I was right back out there and making more than needed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX Trans Union received an identity theft report sent by me informing them of an account XXXX being fraudulent persuant to XXXX XXXX XXXX XXXX ( a ) - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report today is currently the XXXX of XXXX and the account has still not been blocked
Product: Student loan

I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Sallie Mae now Navient who was my loan provider. I asked to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the customer service rep that everything was correct. It wasn't until XXXX that I learned by checking on my status that my student loans had to be transferred to the PSLF for it was never done. I contacted Navient in XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. Just last month I learned that none of my payments prior to XXXX counted toward the 10 year PSLF program which meant that I made 4 years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by Sallie Mae and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
o this law they are suppose to provide me a description of the cording to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

according to 15 USC 1681s-2 they are suppose to 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.