23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted via telephone on XX/XX/XXXX regarding a debt that I was accused of owing. The caller stated that I owed over {$200000.00} to the Department of the Treasury related to a Small Business Administration loan from XXXX. This SBA loan was secured and held by my cousin, XXXX XXXX. He worked with an attorney to resolve this debt using an Offer In Compromise. He paid the SBA a lump sum of {$110000.00} which was made in order to resolve this debt. The debt collector at XXXX XXXX XXXX claimed that this loan was never resolved and has been delinquent ever since XXXX and has been solely attached to my name. They are working off of incorrect information and this debt no longer exists. Furthermore, this is the first time I have ever been contacted regarding this supposed debt. It has taken nearly a decade for this attempt at collection to occur.
Product: Debt collection

I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On XX/XX/XXXX-the receptionist sent me this email because I was with a client and the person was rude to her, " Call from XXXX with Portfolio Recovery Assoc. needs a call back at XXXX. '' Today, the receptionist received another call from " Please call XXXX XXXX XXXX ... ask if anything else in the message, she said no.. '' I looked the number up and it was Portfolio Recovery Associates XXXX They have called several other times and again I can not have this going on. Is there anything I can do about this issue and if I loose my employment can I go after them for compensation?
Product: Mortgage

Suntrust mortgage  went thru the steps but never received papers and always asked for more.   also, I just learned that suntrust should have had to notify me when the ownership of my loan changed hands within 30 days. i was never notified when, meers transfered ownership back to  Suntrust an d   XXXX   XXXX   made  Suntrust take  the loan back.So twice my loan changed hands, and both times I was never notified. to this day. I have never been given notice.   I was never notified this in writing. they even got in trouble earlier when i applied for my loan. I was in  XXXX  and was living in both   XXXX   and  XXXX  for work.  Suntrust tried  to claim on my mortgage insurance and the insurance denied the claim becaus e Suntrust wrote a lo an that I was suppose to be living in the home full time and they new I was both in  XXXX  and  XXXX . My tax returns even had a  XXXX  address. They should have qualified me for a loan that I was living in both states off and on. S o Suntrust qualified m e for the wrong type of loan to start.Please investigate this. thank you.  <P/><P/> thank you
Product: Debt collection

I was notified today XX/XX/XXXX that I was sent to collections from an agency in XXXX Texas. I canceled and paid off all services in XXXX when I moved XX/XX/XXXX so there are no debts I owe. I was not notified via email, phone, or mail about this alleged debt and do not know where it is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report that I did not ask for anyone to check my credit. I need for the hard inquires to be removed from my credit report which is making my credit score go down. Please remove the credit inquires to be removed from my credit report. I did not ask for anyone to check my credit for me. This hard inquires has been happening for the last two years. Please remove the hard inquires on my credit report and do not let anyone else check my credit unless I am notified
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 
XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> The credit bureaus have also violated the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.
Product: Credit reporting

They have not responded to my disputes at all. 
XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.
Product: Student loan

I request for my loan to be discharged based on the unfair practices of Navient Education Services.

I question the balance of the loan. Its unthinkable that the balance has been decreased only about {$2000.00} in the 16 years of the loan origination. Clearly, the payments I made were not applied properly to the principal balance. I want the loan to be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX, I have attempted to contact Transunion regarding 4 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Transunion has failed to respond to my dispute letter sent on XX/XX/2018 and received by Transunion on XX/XX/2018. 

Transunion has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

Therefore in accordance with with s.1629e ( 8 ) of the debt collection practices act which clearly states any information known to be false. Can not be reported to any credit bureau. 

I request Transunion immediately delete this information from my credit reports. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which have been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with s.1629e ( 8 ) of the debt collection practices act and the FCRA 30 day response deadline. 

Below there are 3 separate photos providing proof of sent disputes to Transunion on XX/XX/XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of grave concern regarding fraudulent practices at the XXXX XXXXXXXX XXXX XXXXXXXX, particularly concerning student loans. As an agency dedicated to protecting consumers from financial exploitation and ensuring fair treatment in the financial marketplace, I trust that you will investigate this issue with the utmost urgency and diligence. 

The XXXX XXXX XXXX XXXX has been engaging in deceptive practices that have directly impacted numerous students and their financial well-being. Specifically, the institute has been implicated in fraudulent activities related to student loans, including but not limited to : 1. Misrepresentation of Loan Terms : Many students have reported that the XXXX XXXX XXXX XXXX misled them about the terms and conditions of their student loans. This includes false promises regarding interest rates, repayment options, and eligibility for loan forgiveness programs. 
2. Falsification of XXXX and XXXX Records : There is evidence to suggest that the institute has falsified enrollment and attendance records to fraudulently obtain federal student aid on behalf of students who may not have been actively attending classes or who were enrolled in programs that did not meet federal eligibility criteria. 
XXXX. Failure to Provide Adequate Educational Services : Despite charging exorbitant tuition fees, the XXXX XXXX XXXX XXXX has failed to deliver quality educational services to its students, leaving many graduates with substantial debt and inadequate skills to secure gainful employment in their chosen fields.

4. Predatory Lending Practices : The institute has been accused of engaging in predatory lending practices, targeting vulnerable students with high-pressure sales tactics to encourage them to take out loans without fully understanding the financial implications. 

These fraudulent practices have had devastating consequences for students who trusted the XXXX XXXXXXXX XXXX XXXXXXXX to provide them with a quality education and support their career aspirations. Many graduates are now burdened with crippling debt and struggling to repay loans for degrees that have not yielded the promised benefits. 

I urge the Consumer Financial Protection Bureau to launch a thorough investigation into the XXXX XXXX XXXX XXXX 's student loan practices and take decisive action to hold the institution accountable for its misconduct. Additionally, I request that measures be taken to provide relief and assistance to affected students, including loan forgiveness and restitution for damages incurred. 

Thank you for your attention to this matter. I remain hopeful that the Consumer Financial Protection Bureau will take swift and decisive action to protect the rights and interests of students who have been victimized by fraudulent practices in the higher education sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Dispute to Transunion on XX/XX/2022 with following disputes on XXXX XXXX XXXX and XX/XX/2022 I have not received any results or method of investigation, the company also fail to add " remarks " on the account that is been on outgoing disputes. instead a received a automatic letter that make no sense, see attached See attached dispute letters.
Product: Credit reporting or other personal consumer reports

I had an unsecured credit card with XXXX XXXX XXXX XXXX open in 2021 at some point I got delinquent on my account and XXXX XXXX XXXX XXXX decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and XXXX XXXX XXXX XXXX did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

XXXX XXXX XXXX XXXX is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
Product: Credit card or prepaid card

I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.
Product: Money transfer, virtual currency, or money service

I use XXXX XXXX XXXX and have a PNC credit card account. My credit card was compromised and I received a new card. When I went to update the card on XXXX  website XXXX  received a message that PNC will not allow them to link.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, I don't understand how they usually say that these inquiries are mine, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

There is an account from XXXX XXXX that I do not recognize on my equifax credit report I am requesting it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a dispute request to Equifax regarding late payments and balance inaccuracies that were being reported on my credit report from XXXX. Although I sent equifax a copy of my credit report highlighting the inaccuracies, Equifax did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? 

On XX/XX/XXXX, the office of XXXX XXXX XXXX began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. 

On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 


XXXX reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. 

How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. 

XXXX WAS SUED IN XXXX What is the Navient lawsuit? 
The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued XXXX in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. 
Among other things, the CFPB alleges that since at least XX/XX/XXXX, XXXX has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. 

So how were you able to verify these inaccurate late payments are correct?? Where is the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}
Product: Credit reporting or other personal consumer reports

Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in XXXX data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to Wells Fargo Card Services has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/year> XXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Credit reporting or other personal consumer reports

someone applied for credit in my name that I did not authorize.
Product: Checking or savings account

I was approved for.first and second draw XXXX loans from the XXXX the second draw came from XXXX XXXX XXXX XXXX and they deposited the funds into my fuy verified account prior to i asked if it would be ok and assured by the rep it would be fine and then the day it got deposited they froze my account and have not given any specific reason as to whg they wont call me they asked for a bunch of verification documents i have submitted along with id verification i passed and still i get nothing and i dont have a way to contact the lender as the number is always busy and like most americans my life is turned upside down i nees help
Product: Credit reporting

XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all XXXX credit reports.
Product: Mortgage

My lender refuses to work with me. 

Initially Select Portfolio Services made me an offer for loan modification but once I received the offer, my wife had an accident and injured herself. 
My wife fell at home and XXXX. She is XXXX now and unable to work. We have lost her income and fear her XXXX will be permanent at her age. 
We are simply asking SPS send us a new application for modification due to the fact we have experienced this new, unexpected change in circumstance. Also, the reduction off our household income is greater than 30 %. SPS ignores our requests for help and refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX XXXX {$220.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late paymentreported on my credit report. Upon reviewing my credit report, I have noticed discrepancies that inaccurately reflect my payment history. Specifically, thelate paymentlisted on XXXX  with account number XXXX, which I believe are erroneous. 

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. The FCRA requires consumer reporting agencies to conduct a reasonable investigation into the disputed items and correct any inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Money transfer, virtual currency, or money service

I received a CashApp debit card in the mail at my most recent XXXX, NC address the last week of XX/XX/2022. The card was addressed to my previous address in XXXX, XXXX  that I lived at from XXXX XXXX XXXX. I have never used CashApp, nor had a CashApp account. I called the customer service number, XX/XX/2022, and they did not send me documentation to report my ID Theft. I called again XX/XX/2022 after moving to XXXX. The representative emailed me the report form, and submitted it on my behalf same day. I received email confirmation from XXXX on XX/XX/2022 that the account was closed and an ID Theft note was placed. I proceeded to request and check all 3 credit bureau reports, and placed fraud alerts and credit freezes on at all three bureaus. I placed a security alert on XXXX, and I also requested a freeze and report from XXXX. Upon receiving my XXXX report the first week of XX/XX/2022, I did not see any of the fraudulent accounts reflected on my report. I then received another CashApp card in the mail after the previous account was closed. This was forwarded to my new address in XXXX, but was addressed to the same previous address in XXXX, XXXX. I called CashApp customer service on again on XX/XX/2022, and spoke with XXXX who stated that she would escalate the account to the ID Theft/Fraud department, but did not send me the same questionnaire. I specifically requested that the complaint be escalated since I had already requested an account be closed for Identity Theft, and she stated I would hear back within 10 days, but as of this complaint I have not received any contact back. I received a third CashApp card in the mail forwarded to my new address but addressed to the same previous XXXX, XXXX  address on XX/XX/2022, and that is my reason for submitting my complaint. CashApp has continued to be unhelpful in remedying and protecting my identity after I reported it as compromised.
Product: Credit reporting or other personal consumer reports

On XX/XX/16 I traded in my XXXX XXXX to XXXXXXXX XXXX XXXXXXXX  GA for a XXXX XXXX XXXX. They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!