23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have made several attempts to get monthly payment lowered due to limited income and being widowed for 2 years with XXXX children and XXXX having XXXX whom I have been staying home with. American education services and XXXX XXXX XXXX have been notified that i am unable to make the minimum monthly payment of $ XXXX and have informed me that there is nothing they can do to lower my payment. I am willing to pay a minimum monthly payment that I can afford since I am aware that I am responsible for this loan but unfortunately the amount they want paid monthly is out of my means. There has to be something that can be done for them to help but they claim there is n't. I do n't want the loan to go into default because again I am willing to pay my payments if they are income based of course but their unwillingness to work with me is extremely frustrating. I am currently getting collection calls for late payments but I 've explained the situation to them as well and we 've also conference called American education services to see if they can work with me but with no success. I have tried to pay what I can afford but the balance is still accumulating and it does n't make any difference to them. I am unsure of what I should do next.
Product: Credit card

USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX    XXXX , MS . I contacted the Judgment Court and was t old that  XXXX   XXXX  would have to notify them that the Judgment was satisfied. I filed a dispute with Equifax Credit and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to state  Amount Satisfied. I  have been unsuccessful having this changed by   XXXX   XXXX    and the Judgment Court  in  XXXX    XXXX , MS .
Product: Credit reporting or other personal consumer reports

The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report. 
Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2019
Product: Debt collection

I had unpaid medical bills for my sons that were sent to my ex husbands address for over a year. I never received a bill. When I noticed there was a derogatory remark on my credit report from trans world, I immediately phoned them and they said it was an unpaid medical bill I then called the medical faculty and they said the balance after insurance was unpaid so they sent it to XXXX XXXXXXXX XXXX. 
I paid it immediately and transeorld promised to remove it from the credit report within 30 days. 
That never happened. Ive notified them several times and they refuse to do anything about it
Product: Student loan

Navient has for the second time placed fees onto loans in the " Rate Reduction Plan '' for me, which were not originally disclosed in the verbal contract I made in XXXX 2014. The most recent Navient employee ( his number is : XXXX " XXXX '' ) was dubious at best, and made a coerced demand for money when all previous payments have been on time. 

The verbal contract, made using their " rate reduction program '' set my loans at XXXX a month until the end of XXXX. Navient has stated somehow I owe them extra fees on loans that are being automatically paid! 

In addition, Navient has resorted to calling my home multiple times in an abusive manner, which is causing emotional and mental stress to myself and my cosigner. When the phone is picked up, they hang up the phone, not engaging in conversation. It was only when my cosigner was able to catch XXXX of these individuals calling repeatedly from Navient at XXXX, that we got information about fees that should not be attached to this loan. 

Navient has added mystery fees and lied about these loans in the past, so I do not trust them to correct this issue. 

I graduated from XXXX XXXX, in XXXX Virginia.
Product: Mortgage

Wells Fargo was the one who let me loan for my mortgage, it was automatic payment on my bank account they took my money but it didnt reflect immediately to my principal account the amount I paid in every month I paid my mortgage. It was always delay and it seemed my principal amount didnt have deducted as they were always late.
Product: Debt collection

They said it was paid as agreed upon and that I no longer owe them anything but now they have put derogatory remarks into my report. But only with XXXX?????? I want that removed from my report!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

{$1500.00} - Original Creditor : XXXX XXXX, Currently Held By : XXXX XXXX XXXX XXXX, Opened ON:XXXX - Joint Account. The lease was not supposed to be under my name, I was staying with a friend for a month and had to fill out paperwork stating that I would be there for a month. When I contacted the company I was informed that the most that could be done was take it off my credit if I paid half the debt.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The following inquiries were not and should not be reporting.
Product: Vehicle loan or lease

The business is Consumer Portfolio Services and they are a loan shark company. My purchased vehicle is worth {$14000.00} but yet I owe {$30000.00} o n the loan. My cosigner died and the dealer stated I could refinance vehicle. They stated that they were an investment company and it defeats the purpose for those who had a recent bankruptcy and there they only company dealers are using to help those reestablish there credit. Furthermore its majority XXXX American citizens and the systematic XXXX  used at dealerships to place XXXX borrowers with this company is bias. I recently tried to refinance car and they wanted {$20000.00} down. I've been paying for 2 years and only {$4000.00} has been applied. They should not be able to do business like this targeting only XXXX borrowers. White people file bankruptcy as well but seem to recover just fine. XXXX families seem to just keep getting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the originator of the enclosed information on my credit report. 

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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax and XXXX reported I had two hard inquiries, these on both reporting agencies, I put a fraud alert and freeze, I disputed that the inquiries were not done on my behalf and that Equifax still left them on there, the Equifax inquiries were done to XXXX XXXX and XXXX XXXX XXXX and the XXXX inquiries were XXXX XXXX and XXXX XXXX XXXX, again only the disputes on XX/XX/year>, XXXX has a open dispute but Equifax didnt take more than a couple hours and did not remove these, I have the right to a accurate report and these card companies and these credit reporting agencies have a responsibility to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : CAPITAL ONE Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report Under the CARES Act To Whom It XXXX Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX XXXX this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the XXXX XXXX, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my credit score and do not reflect the protections provided to me under the XXXX XXXX. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!
Product: Consumer Loan

I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX/XXXX/XXXX. GM Financial.. IN the beginning of XXXX I had to call to get my account number to login online because I never received a statement. I went in to the online account around XXXX saw XXXX Balance due, and waited, till XXXX XXXX to recheck and saw I owed a payment and late fee, because I missed the due date- which was not written on the Online statement when the due date was. I paid the past due, XXXX and late fee, and set up automatic payment. The end of XXXX received an email that I missed a payment, and was charged a fee. The automatic debit started XXXX XXXX, so I missed XXXX payment. They purposefully skin a cycle to XXXX the consumer and charge late fee, when In XXXX I set up a payment, that should have covered XXXX and beyond. <P/>2 -they sent a late payment ding to my credit monitoring company, because I missed XXXX. They say they called me, But they do not identify themselves on the voicemail as to who is calling, so I did n't call back, would you call back an unidentified number XXXX. They refuse to remove the ding even though they admit the online site was not accurate in XXXX because the bill had n't come due yet, but why would they not post my future due date due in the same month.? I want my late fees returned and credit monitoring cleaned up
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX # XXXX Subject : Request for Debt Verification and Original Contract Pursuant to 15 U.S. CODE 1692 and 15 U.S. CODE 6802 Dear, Jefferson Capital Systems , LLC I am writing in response to your recent communication regarding the debt referenced above. I request verification of the debt and a copy of the original contract or agreement, as required under 15 U.S. CODE 1692 of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. CODE 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

Specifically, I am requesting the following : 1. A copy of the original signed contract or agreement that establishes the debt you are attempting to collect, including any terms and conditions that govern this obligation.

2. A detailed statement of the debt, including the amount owed, any fees or interest charged, and a history of payments made ( if applicable ).

3. Proof that you are authorized to collect on this debt, including any assignments or documentation that shows your legal right to collect.

4. Verification of the privacy protection of my personal financial information, in accordance with the Gramm-Leach-Bliley Act ( 15 U.S. CODE 6802 ) . Please provide information regarding how my financial data has been protected during your collection efforts, including the measures taken to comply with applicable privacy regulations.

Under 15 U.S. CODE 1692, I have the right to request this information within 30 days of receiving your initial communication. During this period, I dispute the debt and request that all collection efforts cease unless you provide the requested verification.

Furthermore, under 15 U.S. CODE 6802, financial institutions and their affiliates are required to establish privacy policies to protect consumer information. I ask that you confirm how you have complied with this requirement during your collection process. 

Until the requested verification and contract are provided, I ask that you CEASE and REMOVE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you CEASE and REMOVE all collection efforts entirely. 

Please respond within the 30-day period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the GLBA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have tried to ask Westlake FinanciaXXXX for lower payments as I am struggling, I have also tried moving overdue payments to the end of the loan. There are always problems on their end with getting the paperwork to me and my cosigner, Everytime. Then I receive multiple, upon multiple calls everyday from different numbers from them. They will harass you constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX finally removed the accounts, XXXX and EQUIFAX failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Checking or savings account

My Chase bank account is not being updated by the bank cause me to be unable to cash out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Here are the items that need to be removed : XXXX XXXX XXXXXXXX Balance : {$28000.00} CXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Payday loan, title loan, personal loan, or advance loan

Loan not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX