23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am the co-signer of a loan for my son. I have been paying on an account with Navient I co-signed for about 3 years. The account was approved for XXXX. My unpaid principal on the account is XXXX. I have been given several different addresses to make the payments for this account. I have come to find out I have not been paying towards the co-signed amount but to his federal loans as well. I have called and continue to have been transferred and hung up on. A representative gave me a webpage to send a list of my payment history to in order for them to research I have made payments. I sent them payments from my bank account to Navient XXXX. I sent them payments for 18 months showing my history each month. I don't understand why I have been given so many addresses to pay on one bill I co-signed for and it is not getting to the right account. Each time I have spoken with an account representative I have been reminded I co-signed for his student loan. The last time they said they received a payment was XX/XX/2019 which is incorrect payment history. I have a history of the payments I have online with XXXX XXXX. Please assist with getting this account under control. Thank you ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Third Request for Immediate Removal of Adverse Information Under the Debt XXXX  Repair Act Dear Equifax Dispute Resolution Team, This letter serves as my third formal dispute for the immediate removal and blocking of specific information from my credit report under the Debt XXXX  Repair Act. I initially submitted my request on XX/XX/year>, along with all necessary documentation proving that I am a victim of debt bondage and XXXX XXXX Despite this, Equifax has failed to comply with the mandated four-day period to block the requested adverse information from my credit report. 

Equifax is in violation of Regulation V, XXXX ( XXXX ), which mandates that : XXXX ( XXXX ) ( XXXX ) : Equifax must block adverse information within four business days of receiving my submission. This time frame has long since passed. 
XXXX ( XXXX ) ( XXXX ) : If additional information was required, Equifax was obligated to notify me within XXXX business days, which did not happen. 
XXXX ( XXXX ) ( XXXX ) - ( XXXX ) : Equifax can not challenge the validity of the facts or circumstances in my XXXX  documentation. 

I am now formally requesting that the following accounts and inquiries be blocked from my credit report immediately : Accounts to Block : XXXX XXXX ( XXXX accounts ) XXXX XXXX  XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  ( XXXX accounts ) XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Block : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Failure to act in accordance with these federal requirements is unacceptable. If Equifax does not immediately block this information, I will pursue further escalation, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

I expect a prompt resolution of this matter and confirmation of the actions taken. Please comply with the law and resolve this issue without further delay. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX  XXXX  XXXX Date opened XX/XX/XXXX Balance : $ XXXX XXXX, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

Experian AND XXXX XXXX CREDIT AGENCIES is displaying an account from XXXX XXXX on my credit report. However, this account and balance do not belong to me. I have already sent a letter from XXXX XXXX requesting that the account be deleted, but Experian has not yet corrected my credit report. XXXX XXXX has also sent a letter but my credit file has not been corrected yet. 
I HAVE ATTACHED AGAIN THE LETTER DIRECTLY FROM XXXX ADVISING THEY HAE SENT LETTER FOR REMOVAL AFTER RESEARCH
Product: Credit card or prepaid card

Received notice on XX/XX/2020 that credit card account would be closed due to inactivity. Called bank to try to keep account open. Request was denied. Have long-standing and active relationship with bank across other products. This abrupt and unnecessary shutdown will negatively impact my credit score by reducing available credit ( therefore increasing credit utilization ), decrease average account age, and decrease active good standing accounts on credit report. Additionally, this deviates from industry standard practice which is to give a customer 30 days to make a charge on an account to keep it open.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Dear TransUnion I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX  : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Federally Owned incorporated United States of America is Bankrupt see : Bankruptcy act of 1933 All obligations are the responsibility of THE UNITED STATES FEDERAL GOVERNMENT who pledged We the People as surety I am a non taxpayer unincorporated man living on the land/soil I am the creditor and The U.S. Department of Education , THE U.S. DEPARTMENT OF EDUCATION are debtors operating in the bankruptcy under the Bankruptcy Act and must by law Discharge any debt associated to my estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other spelling or variation associated to me, who am the Beneficiary and Agent of the estate must I respectfully demand to be discharged and directed to the Federal Reserve Bank or United States Treasury . I who shall not be with LEGAL NAME am the administrator of the account and respectfully demand any and all claims on my estate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to be discharged via XXXX XXXX XXXX XXXX XXXX and I my estate be credited for the full amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Request and Demand for Removal of Collection Account from Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities regarding the above-referenced account. I do not acknowledge any debt to your company and dispute the accuracy of the collection reported on my credit report. 
This account has been causing undue damage to my creditworthiness, and I demand that you immediately remove any references to this account from my credit reports with all major credit reporting agencies, including but not limited to XXXX, Equifax, and XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me in relation to this alleged debt, except to inform me that your company will comply with my request to cease collection efforts or notify me of legal actions that may be taken.

I expect the following actions to be taken within 30 days from the date of this letter : 1. Removal of the collection account from all of my credit reports.

2. A formal confirmation in writing that you will no longer pursue collection of the debt.

3. Verification that the account has been resolved and all adverse information has been removed from my credit report.

Failure to comply with this request will result in me pursuing further legal action and filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney General. 
Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to assert them if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have paid back what was owed to my bank everything that was charged in the XXXX  was charged back on my credit card which i paid already
Product: Money transfer, virtual currency, or money service

I was banking with Chase in 2021 and they froze my account with money inside and said i was involved in scamming another chase member and said i was a light company demanding money. Ive notice money being taken put of my account that i didnt do and they never resolved the issue and i have been out of chase since than, they froze my money and said they would give it to someone else and they never helped me. I also received a charge for this and the whole time its in a state I've never been to. Nobody has helped me in chase and since than I've had a hard time in my life starting from them freezing my money and i didn't do anything
Product: Mortgage

Representation of Tammac Holdings Company made contact with the mortgage holder, XXXX XXXX XXXX, XXXX. A statement made for representation of XXXX XXXX. 
Did contain information representation would send information to this XXXX XXXX XXXX XXXX, Ohio XXXX To award the mortgage holder a right to inspect documentation.Give an opportunity to this lender.To show a legal right to maintain information was correct for advancement of land, purchased for an increase in an estate.Would entitle the mortgage holder an opportunity to review this claim.And address the situation for my daughter to consider these options.Has indicated, currently, these papers were not forwarded to allow an inspection.Reveal it necessary to forward funds to this Corportation.Give the company an opportunity to increase a wealth with these finances.A reasonable amount of time has provided the Corportation.Time to forward these papers and assure the mail delivery of these items.Would provide a reason to finance an estate.To increase the wealth of my daughter for her benefit as an American.Please address this Corportation.And refer to a legal schedule for confirmation about the process of lending money for property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, XXXX, Transunion ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX ). Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
Product: Credit reporting or other personal consumer reports

The contract I signed with XXXX XXXX XXXX does not include an : Authorization Clause : The agreement usually includes a clause explicitly stating that the lender has the right to share information about your account with credit reporting agencies. 
Fair Credit Reporting Act ( FCRA ) : Under the FCRA, finance companies can report accurate and truthful information about your account to credit bureaus. Signing the agreement implies your consent for this reporting. 
Terms and Conditions : By signing the document, you agree to the lender 's terms, including their right to report your account status ( e.g., payment history, defaults, or balances ). 
Therefore, making the reporting of this account illegal and a federal violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over a credit report from Equifax, I saw that there was an address included that was incorrect. I believe I reported that to Equifax, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Product: Credit reporting or other personal consumer reports

There are inconsistencies and inaccuracies in the reporting of the XXXX account ( number XXXX ) on my credit reports regarding closed date, last payment date, and last updated date. 

XXXX has this account closed on XX/XX/XXXX. 
Equifax has this account closed on no data. 
XXXX has this account closed in XX/XX/XXXX. 

XXXX has the last payment as XX/XX/XXXX Equifax has the last payment as XX/XX/XXXX XXXX has the last payment as XX/XX/XXXX XXXX claims that this account was last reporting on XX/XX/XXXX Equifax claims that this account was lasted reporting on XX/XX/XXXX XXXX claims this account was last reporting on XX/XX/XXXX Proof attached. 

All three of these agencies are allowing XXXX to re-age this closed/ written off / sold account. This is in violation of the FCRA. This account should be removed/ deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I have never apied or had a credit card in my life .... 

There are several credit cards being maxed out on my credit report that are fraudulent because I have never applied or used a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

To my surprise, I found out this morning that there are accounts on my credit report that are completely inaccurate, and I cant figure out why. Ive always kept an eye on my report, but this time, something was seriously wrong. I even refreshed the page, hoping it was just a technical error, but the accounts remained unchanged. Im asking that the documents Ive sent be reviewed in detail so I can avoid this kind of stress in the future.
Product: Debt collection

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENTS.
Product: Payday loan, title loan, or personal loan

Well we have XXXX on the acct and its says hes XXXX but they collected money from us and told us they would return the money and they dont, threatening us that they would garnish my check. Hes still XXXX  and they put on paperwork for 6 months to a year snd they still harass us about the payment. Then they say they added the payments yo the back of the Back of the loan instead of returning our payment back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.