23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted Mr Cooper because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These issues directly align with my own experience, as Experian has failed to correct or remove the disputed items despite the evidence I submitted. This ongoing inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the following disputed accounts Additionally, there are numerous inquiries that need to be addressed. These include : XXXX XXXX XXXX Experian 's failure to resolve these disputes constitutes a violation of federal law and my rights as a consumer. I demand immediate action to correct these inaccuracies and remove any unverified items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter XX/XX/XXXX to Equifax with no result or corrections to inaccurate information on my report
Product: Student loan

1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 
3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 
4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. 
To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up.

2. They never offered the REPAYE. And they lied about dates it was offered.

3. They refused to unconsolidate the loans and pretty much said there was nothing they could do.

4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail.
Product: Vehicle loan or lease

In XX/XX/XXXX my vehicle was stolen and deemed a total loss. On XX/XX/XXXX my insurance company issued payment in the amount of XXXX to Ally Financial. To date they have not applied this payment to my account. Ally Financial has acknowledged receipt of this payment. In addition Ally is now reflecting this account as charged off as of XX/XX/XXXX. The charge occurred after I disputed this account balance on my credit report. I have made multiple calls with no call back. The balance paid by insurance did not cover the full balance of remaining loan so I opened a gap coverage claim. This claim has now been closed being Ally Financial has not provided documents requested by myself as well as gap company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my Experian report and provided this information over to the reps, and managers at Experian over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Experian still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted : 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
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. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Student loan

Hello, My wife and I both have private student loans through Earnest and I am trying to figure out how to make principle only payments. Their website says they do not allow principal only payments in addition to regularly scheduled payments. 

Here is the web address with information : https : //help.earnest.com/hc/en-us/articles/115001345788-How-do-I-make-a-principal-only-payment-Student-Loan-Refinancing Here is the text on the web page : How do I make a principal-only payment? | Student Loan Refinancing Since all payments received on your loan will be applied to interest first, then to principal, we're unable to offer a principal-only payment option. However, by making an extra payment on the same day as your due date, the majority of that extra payment, if not all of the extra payment, will go towards your principal balance. You can find directions on how to schedule an extra payment here or review payment processing times here. 

If you're enrolled in Auto Pay, you can increase your monthly auto pay above the minimum payment amount to have more of your payment go towards principal each month. To increase your monthly Auto Pay, contact Client Happiness Team directly by clicking the " Get In Touch '' button found at the bottom of this article. 

************* I find it very odd that I am not able to pay down the principal only on my loan in addition to the regular payments. My wife and I have not missed any payments. Are their rules permissible under current law? I feel that we should be able to make additional payments to shorten the life of the loan and reduce our family debt as soon as possible. 

Thank you for your help. 

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

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, Midland Funding LLC, collecting on behalf of XXXX/XXXX. Midland Funding LLC is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this account with the BBB on XXXX XXXX,2017 and was unsuccessful.
Product: Debt collection

I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.
Product: Credit reporting or other personal consumer reports

TransUnion is inaccurately reporting the credit limit of {$1400.00} for the XXXX XXXX  account # XXXX on my consumer report. This account was closed XX/XX/year> and charged off XX/XX/year>, I do not have any credit line or any access to credit with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to XXXX  XXXX and Experian regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  and Experian failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX XXXX and Experian responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX violated my rights on XXXX X 2 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXXXXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. The account in question is with XXXX XXXX XXXX, a revolving account with account number XXXX, opened on XX/XX/year>. 

This account was charged off, and I no longer owe money to this creditor. However, it is still inaccurately showing a balance of {$380.00}. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. The current reporting of this account is incorrect. 
I am requesting that you investigate this matter and either : 1. Provide documentation showing that the balance is accurate and owed, or 2. Update the account status to reflect a {$0.00} balance with no amount due.

Please address this dispute promptly, as required under the FCRA, and provide a written response regarding the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle'e handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but. has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report.

So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month and a half ago, an XXXX dollar collections account came off of my credit report. It was on there on estimate 5-7 years. It came off, I went to get a loan at the bank and when my credit was pulled I had zero accounts in collection. Now, as of today it reappeared in my credit report and screwed my score up bad. I wasn't notified of a reinsertion. It's been years. They cant re age my account. It was removed. I disputed it with Experian but it needs to be removed asap.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX XXXX XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 I tried to put a " Simple Freeze '' on my credit report thru the Equifax Web page. No success. I called customer support & was asked questions about my employment 38 years ago. I have been completely out of debt for 20 years now & I felt as if I was being investigated by the FBI. This is totally ridiculous. Now I question the integrity of the company & feel foolish for giving them all my personal info.! 

Thank you!