23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We took out parent plus loans for our son the college just kept adding to our plus loans and not to my sons loans. 
We have been struggling since 2005 with major health issues at this point my wife is on XXXX her loans are on hold. 
The only help Navient and Salliemae gave was deferred payments and forbearance every year a struggle to get some help only option was forbearance. 
We are now expected to pay more than our mortgage payment on these loans which would make us homeless. 
We have been sending a {$100.00} good faith payment all we can manage at this point. 
We are not refusing to pay but stop charging interest on top of interest and help us so at least a payment makes a difference we will never be financially sound as we grow older and retirement and old age faces us. 
No amount of talking hours on phone even to ombudsman can get any compassion in the meantime a XXXX XXXX loan is now almost 75000 $ something has to be done. 
As the person at Navient said the compounded interest pays my salary therefore no incentive to be of any help.
Product: Debt collection

BILL WAS OVER PAID AS SHOWN IN ATTACHED SCREENSHOT AND NOT APPLIED TO ELECTRIC BILL, AS A RESULT PENN CREDIT, XXXX XXXX INTENTIONALLY NEGLECTED TO MAKE DUE DILIGENCE TO RECTIFY AND ADD A COLLECTION ONTO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX  XXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX Balance : {$750.00} ; XXXX - XX/XX/year> ; XXXX - XX/XX/year>.
Product: Vehicle loan or lease

I bought new XXXX XXXX XXXX on XX/XX/year>2024. XXXX opened XXXX loans on my name for same vehicle for full finance amount with XXXX different lenders- one with JP Morgan Chase and another with XXXX  XXXX XXXX. Loan with XXXX XXXX XXXX is opened with my consent and I am paying it regularly. 

JP Morgan Chase is calling me to pay the XXXX. But, I am paying XXXX for XXXX XXXX XXXX  loan. 

It seems some malpractice by XXXX to get double the money from consumers on their name. Whenever I am calling XXXX, they are saying that our finance team is working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX & XX/XX/2020. I reached out to transunion and XXXX with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Bank account or service

I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. 
The fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). 
I was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. 
Honestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. 
I am now in the " XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.
Product: Mortgage

I received a letter from my mortgage company ( mr cooper ) that they were missing proof of insurance from XX/XX/XXXX to XX/XX/XXXX. In response to this, I called my insurance agent and had the agent send over the required proof of insurance about two weeks later I receive another letter that states they still do not have proof of insurance for that time period, I have attempted to contact the mortgage company via a chat session ( which referred me to call the company ), then two separate phone numbers XXXX and XXXX. I was unable to reach a person on either number, the mortgage company apparently makes it impossible to reach a human ( I am sure this is on purpose ). I then emailed the proof of insurance to them at XXXX. The amazing part of this whole problem is I have a mortgage escrow account that is supposed to pay the insurance and according to what I have previously received from the mortgage company, it was in fact paid. Therefore, either the mortgage company paid the insurance or they stole money out of my escrow under the deception that it was for my insurance. I will attempt to upload the letter from the mortgage company , the email from me, and the actual proof of insurance.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance : {$580.00} ; XXXX & XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted identity theft affidavit and items are still being reported on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING WAS PAID IN FULL ON XX/XX/20 THEY AGREED TO REMOVE IT FROM CREDIT BUREAUS AND NOTIFY THE COURT COURT CASE # XXXX WITH A LETTER OF SATISFACTION SINCE THEY GOT A GARNISHMENT. THEY WERE TO TO DO WITHIN 30 DAYS OF THE DEBT BEING PAID. THEY HAVE NOT NOTIFIED THE COURTS NOR REMOVED FROM XXXX XXXX OR XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX THEY NEED TO SEND THE COURTS LETTER OF SATISFACTION AND ALSO REMOVE FROM CREDIT AGENCIES AS PROMISED
Product: Debt collection

LVNV Funding LLC has recently retained XXXX to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

XXXX sent an UNDATED notice to respond by XX/XX/2022. XXXX has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and LVNV Funding LLC there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXX XXXXXXXX XXXX XXXX 

At no time does XXXXXXXX XXXX XXXX XXXX. appear on my credit reports for any such account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Resolution of Inaccurate and Incomplete Information on my Transunion Credit Report Dear Sir/Madam , I am writing to bring your immediate attention to a persisting issue concerning inaccurate and incomplete information on my Transunion Credit report , which is having a detrimental impact on my financial standing. Despite having disputed this item on numerous occasions, I have received the same generic response repeatedly, indicating a lack of proper investigation as mandated by the law. 

Specifically, I would like to draw your attention to the inclusion of XXXX XXXX as a collection account on my credit report. This entry pertains to a solar system installed at a property that is not associated with me in any way. I have never owned or resided at the address linked to this account. 

I have taken various steps to rectify this error, including written communication, online disputes, and phone calls. However, I have been met with persistent resistance in removing the incorrect address affiliated with this collection. Despite my continuous efforts, the credit services have failed to address this issue and have not taken the necessary steps to remove the erroneous information from my credit report. 

Furthermore, I had previously requested validation of the debt over 60 days ago, but I have yet to receive any substantiating documentation. Despite the lack of evidence, your agency continues to claim that the debt has been verified. I find this highly concerning and question how such validation could have been accomplished when I have resided at the same address for over 20 years. 

I am deeply concerned about the lasting impact of this erroneous information on my financial status and overall creditworthiness. It is imperative that you take immediate action to rectify this situation. I demand the following actions to be taken promptly : Removal of the incorrect address associated with the XXXX XXXX collection account from my credit report. 
Provision of proper investigation and validation of the debt, including any supporting documentation. 
Swift resolution of this matter within the timeframe mandated by law to prevent further harm to my financial reputation. 
Please be advised that failure to address this matter adequately will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act. 

I have attached copies of previous correspondence and supporting documents to assist you in addressing this issue effectively. I expect a written response within 30 days of receiving this letter, confirming the actions taken to resolve this matter. Additionally, I request that all future communications regarding this dispute be made in writing to maintain a clear record of our interactions. 

I trust that you will take this matter seriously and rectify the inaccuracies promptly. Your cooperation in resolving this issue is greatly appreciated. Thank you for your attention to this matter. 

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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}
Product: Student loan

Ive applied for XXXX loan forgiveness 3 times now, and Navient continues to deny my application, althoughh, Ive fulfilled the requirements to receive this assistance
Product: Credit card

On XX/XX/XXXX, I requested to reallocate {$20000.00} of credit limit from my Amex XXXX card to my newly approved XXXX XXXX XXXX card using XXXX 's online tool. The credit limit was deducted from my XXXX card, but never arrived on the XXXX card. 

On XX/XX/XXXX, I called the number on the back of my card to inquire about the status of my reallocation request. The customer service representative said the systems shows the reallocation request has been approved, but they weren't sure why it hasn't showed up on the new card. I was put on hold while they investigated the issue, and after about an hour I was told the issue requires further investigation, and their supervisor will call me within XXXX hours with an update. 

As of today ( XX/XX/XXXX ), I have not yet received any update from XXXX, and the {$20000.00} of credit limit still hasn't shown up on my BCP card, nor has it been returned to my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX LA XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXXXXXX XXXX Balance Owed : {$52000.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$15000.00}, XXXX XX/XX/XXXX
Product: Debt collection

RECEIVED PHONE CALL FROM COMPANY, REQUESTED A TRUE BILL BUT REPRESENATIVES HUNG UP.
Product: Credit reporting or other personal consumer reports

When attempting to close my account due to avoid credit reporting XXXX stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and XXXX reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment XXXX would remove it from my credit report. I caught up with my payment and XXXX did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. XXXX falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

XX/XX/2023 - First Verification Request Sent to Calvalry Portfolio Services, LLC XXXX XXXX, XXXX  - Invalid Verification Response from Calvalry Portfolio Services, LLC XX/XX/2023 - Second Verification Request Sent to Calvalry Portfolio Services, LLC XX/XX/2023 - Third Verification Request Sent to Calvalry Portfolio Services, LLC In accordance with the FDCPA Code, 809 notices/letters ( " Previous Correspondence '' ) were mailed from XXXX XXXX XXXX XXXX XXXX ) on behalf of the Client to request validation. The documents sent by Calvalry Portfolio Services, LLC does not comply with 15 USC 1692g ( " Validation of Debts '' ), nor does it comply with the good faith request for additional documents, and therefore does not establish the validity of the alleged debt. The statutorily allotted time has passed for your compliance and the debt has not been validated, the client nor XXXX XXXX XXXX has received records or evidence to support the validity of this alleged debt, and the credit bureaus and appropriate financial institutions were not made aware of the removal of this account, and collection attempts did not cease as previously requested.
Product: Credit reporting or other personal consumer reports

I was robbed at XXXXXXXX XXXX  in XXXX of 2023. Three men took my car and wallet and had access to my personal information. Months later, I noticed funds was transferred from my XXXX XXXX account to my XXXX XXXX XXXX XXXX XXXX Account, then, some of the money was transferred to a bank account in another state. 

When I noticed, I went to the bank to take out all of my remaining money. I alerted XXXX but I didn't recieve proper response, until I recieved an email asking to send copies from the Federal Trade Commission and a police report. I was then told the report was not good enough and my information was shared with Experian. I have emails sent to the FBI but nobody has helped and this has caused a hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the Experian credit monitoring service and several accounts have been paid off, payment history improved but I credit score has NOT changed I received emails from Experian saying dispute resolved but when I look at my file there are no changes to the disputed items Experian fails to provide a valid reason as to why this is happening all other bureaus report the account changes as well as credit score changes Also there are inquiries appearing on my credit report that are updated yet Experian fails to remove they are over 2 years old
Product: Debt collection

Hello, I am being sued by Portfolio Recovery on an Timed Barred debt. The last activity ( payment ) on this item was in XXXX XXXX. There have been no payments, offers to pay, no conversation what soever with Portfolio about this item until the pretrial occurred with a representative Portfolio hired. 
The collections automatically dropped from my credit reports in XXXX or XXXX per the Federal reporting of 7.5 years. The other situation is this was my daughters account and I was an authorized user but the original card issuer ( XXXX ) had my name listed as the account holder. 
I have already had the pretrial and the court date for trial is XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.