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

A few days ago I place a disputing with XXXX  and Experian into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my XXXX  XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet Equifax refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. Equifax 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, Equifax is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain the maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, Equifax is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that XXXX immediately delete this account from my consumer report and take corrective action to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

I am contacting the credit bureaus to report that I have been affected by erroneous activity. Per FCRA section 605b you are required to remove any items listed on an FTC Report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX : {$4600.00} XXXX XXXX  XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXX Balance : {$7500.00} XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX  XXXX XXXX : {$1200.00} XXXX XXXX XXX Balance : {$860.00} XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am writing this letter because of a debt that was placed on my credit profile by National Recovery Agency XXXX I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has XXXX  days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 
Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with TransUnion regarding Account Name : XXXX XXXX Account Number. XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXXXXXX  in regards to the following charged off account listed below Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX  XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$980.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX 's part. 

Delete this account from my credit report immediately for inaccuracy!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has implicitly acknowledged that XXXX Bank made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in ten years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( XXXX Bank ).
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Debt collection

On XX/XX/XXXX I received a letter of collection of a debt I do not owe, I had my XXXXXXXX daughter obtain a gym membership, under my name, upon her XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, prior in on XX/XX/XXXX I and my daughter went into XXXX XXXX and removed her from membership, in XXXX of that year upon signing into gym, I was told to call billing company, 3rd party, I contacted them to find out they continued to bull my daughters debit card on file, which was cancelled at local gym on XX/XX/XXXX, I have been to gym regularly past year and today I received this letter from Aldous who was attempting to a debt of {$300.00}? A collection agency? This is not owed, XXXX made errors not me we cancelled in XX/XX/XXXX twice I cancelled.
Product: Debt collection

I get a call every week for the past month plus. I have returned the call more than 10 times. The phone only rings once then disconnects with no vcmail left. When I call back I give them all my information - Name, Phone, Email, SSN. NCB Management Services can not find any account for me and no debit owed by me. I have spoken to supervisors twice. I have asked them to please remove my phone number from their system to stop the calls. I work off my phone for my employment so I have to answer and return every call. It wastes 30+ minutes everytime I call them back. It is not stopping. I have phone records of this happening for over a month now. I would like the calls to stop. 

It is alarming because the phone only rings once and no vcmail is left. It happens all the time. 

Call Log for the last 30 days - FYI - I call alll of these back.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX
Product: Student loan

Short Version : Sallie Mae ( Navient ) gave me a predatory subprime loans in XXXX to attend these for-profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had low graduation rates and horrible job placement -- they knew I would be unable to repay the loans. 

My loan amounts are artificially high due to capitalized interest accrued by Navient repeatedly suggesting Forbearance and capitalizing interest rather than having me enroll in Income Based Repayments. Because of this I've never been able to make a meaningful payment on my principal. 

Extra Info : I've been attempting to pay my loans since XXXX. I believe I've made payments totaling ~ $ XXXX between my private and federal loans, but I have not made a dent and Navient continues to worsen the situation while claiming to offer 'aid ' via forbearance, only recently switching to income based repayment, but still charging me out of pocket fees each time I needed to reapply roughly every 3 - 6 months. 

I had struggled to complete the degree I started in XXXX XXXX in XXXX in XXXX, but the school told me none of my credits transferred -- despite being the same company/school. I had to start over, and eventually had to drop out after taking half classes ( 6hrs of class time with 32 hrs of expected course work per week ) at nearly {$700.00} dollars per credit hour and working retail at $ XXXX for 40hrs/week for 3 additional years. 

As I began paying my loans I had no degree to help my attempt to get into my field of study so I spent many years working unpaid internships and contracts well below the market value for my job making it often impossible to pay my loan payments ), my work in the XXXX XXXX  was project based and each time a job completed ( or a studio closed ), I was forced to put my loans in forebearance, at which point Navient capitalized all interest. Worse, during times of unemployment Navient representatives on more than one occasion threatened to garnish the wages of my financially insecure parents who cosigned my loans if I didn't find money to pay. Saying that if I was getting unemployment then I could afford to make payment on my loans. My total student loans were XXXX per month. My rent was $ XXXX, my unemployment was $ XXXX. Representatives also asked the status of my savings account -- and when I told them that I lived paycheck-to-paycheck, they expressed doubt and told me I should ask my cosigners ( parents ) for money. 

My Private Loans : XXXX Signature Student Original Principal : {$19000.00} Unpaid Principal : {$43000.00} Interest Rate : 11.750 % XXXX Signature Student Original Principal : {$10000.00} Unpaid Principal : $ {$11000.00} Interest Rate : 12.750 %
Product: Mortgage

Specialized Loan Servicing bought my loan from XXXX  XXXX XXXX in XX/XX/2019. 

Specialized Loan Servicing sent a letter stating I missed 2 payments. 

I called and received information to email the proof of payments showing I have paid, and on-time or before due. NOT ONE late payment. 

Specialized Loan Servicing sent another letter stating, again, that I have missed payments. 

I call them, again, to ensure they received the proof of payment. 

The representative ( hereby designated the abbreviation of " rep '' ) claimed I was not paying the full amount and that my interest is variable ( which it isn't ). The rep did not mention anything about seeing missing payments, only that I was allegedly underpaying. The rep stated I was underpaying on an amount that is LESS THAN I have been sending. 

Once I pointed this out to the rep, they claimed they could no longer hear me and that my cell phone must be going out of service. I was on a landline and stated that. 

They stated again that I am underpaying on the loan, while sending me letter that I am missing payments, when I have PROOF all payments have been made, on or before due, and in excess of the amount required. 

The rep stated again that I am not paying the appropriate amount, that I have a variable interest, and furthermore, threatened me with legal action when I requested the signed documents stating my agreement to a variable interest loan with them, as I never signed an agreement with them, as it was Specialized Loan Servicing who bought the loan from XXXX  XXXX XXXX. I stated again that I wanted copies of the documents, they stated again they would take legal action against me for wanting these documents. 

This company is claiming missed payments on paper, underpayment on the telephone, and is causing hardship for the people they are trying to scam out of money. If they can not accurately document the payments, but I can, how are they permitted to make threats/ move to foreclose on my home.
Product: Checking or savings account

On XX/XX/23 I reserved a rental car from the website XXXX. When I showed up to pick it up, I was advised by the XXXX XXXX that I would be unable to rent the vehicle after all and I would get a full refund. He stated this was due to the fact that I only had my Bank of America debit card and not a credit card. Even though the website specifically states a debit card is acceptable. I was charged in full for the vehicle rental in the amount of {$130.00}. I disputed this with XXXX and with Bank of America. XXXX has stated they submitted " documentation '' ( attached ) that I did in fact rent the vehicle, however that provided documentation proves nothing. Their website even shows the rental was " cancelled ''. I still have not received my money back.
Product: Checking or savings account

Opened a account online, everything went smooth.. started depositing money into the account and went to withdrawal from the ATM using my newly set up PIN. Called Citi Bank because I couldnt withdraw money, Citi Bank claimed they sent out and needed a verification letter since the account was opened online, was transferred to the fraud department multiple times. Attempted to just close account and get my money sent as a check but the agents would not assist me.
Product: Debt collection

I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and   XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX  are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. 


XXXX  XXXX XXXX XXXX : {$18000.00} Date Opened : XXXX Late Dates XXXX, DEPTEDXXXX XXXX, DEPTEDNXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Hi Toyota Motor Credit ; I got into an accident with my XXXX  and the Gap  and insurance should be paying for his. I told you guys about this. 

Im little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Mortgage

I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$490.00} ; XXXX XXXX Balance : {$490.00}
Product: Credit card or prepaid card

Hello, I am writing this letter to explain my concern regarding how credit card banking companies are handling customers for their profits. I have opened Bank of America XXXX XXXX credit card in XXXX and never had any late payments. Despite being very loyal to the bank and no misues, I have received an email from the bank saying " Unfortunately your credit card account has been closed '' on XX/XX/XXXX. This is very alarming to have these type of bank side frauds after taking XXXX  and XXXX  of dollars of Interest for being their customer for 6yrs and more now.