23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I will be XXXX XXXX XXXX in XXXX. I applied for a Private School Loan XXXX Discharge thru Firstmark Services multiple times. The loan was originally thru XXXX XXXX and was turned over to Firstmark Services. I provided Social Security records and physician certification per their requirements. Their application only required one or the other to be provided and I provided BOTH. I went on XXXX in XXXX. In XXXX after having XXXX XXXX including being on a ventilator while in the hospital I became XXXX XXXXXXXX with XXXX XXXX XXXX including XXXX XXXXXXXX and currently am on continuous XXXX. They have denied my request despite the fact that I have met all their requirements. I also applied for the same type of discharge for my school loan thru the Department of Education and it has been already preapproved. I have already paid monthly payments on this loan for several years and it has become a severe hardship for me to pay. There is approximately only $ XXXX left on the loan.They said they offer loan discharges for XXXX XXXX and in good faith I applied. They have denied my application multiple times despite the fact that I do qualify. They have in their possession already the application that I supplied including physician certification and Social Security records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, Transunion shows the 3 inquiries still, XXXX  one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion and XXXX  are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  Account Charged Off and Sold I am writing to formally dispute an inaccurate entry on my credit report regarding my XXXX  account, which was charged off and sold to XXXX collection agency, yet it still reflects an outstanding balance of {$70.00} under the original creditor. The account number is not listed on my credit report, making it difficult to verify the accuracy of the reporting. 

Basis for My Dispute : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data. Since XXXX charged off and sold the account, they no longer own the debt and should not be reporting a balance. Once an account is sold, the original creditor must update the balance to {$0.00} and reflect that the account was transferred.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information on my credit file, and the credit bureau must conduct an investigation within 30 days. 

Requested Action : I request that you investigate and correct this reporting error immediately by removing the inaccurate entry entirely if verification can not be completed. 

Please provide me with the results of your investigation in writing. If this information is not corrected, I am prepared to escalate this matter, as inaccurate reporting can have a direct negative impact on my creditworthiness. 

Thank you for your time and attention to this matter. I appreciate your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Experian XXXX. XXXX XXXX XXXX, TX XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Exeperian claimed that Exeperian violated the FCRA by the company Exeperian allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Requesting one last time that this erroneous reporting be deleted from my credit file Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA I am supposed to get a XXXX day written notice from this company of this alleged debt with the chance to resolve such a matter before this alleged debt is placed on my credit Report. Please provide me proof i received this mail by providing me and The cfpb a certify letter and return green receipt!! This collection company must show this finding im requests or this is proof they broke the law.
Product: Credit card or prepaid card

Comenity bank sent me a " Prescreen application error '' letter in the mail. i have never applied for a XXXXXXXX XXXX XXXX 

Someone is trying to apply for credit cards in my name without my knowledge.
Product: Payday loan, title loan, or personal loan

Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX- Account # XXXX All these accounts have 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.
Product: Debt collection

I never order service my XXXX XXXX XXXX saw on XXXX that XXXX XXXX  was giving away free tablets to any one who order it and she order it I contact XXXX XXXX  a few days afterci got thevletter saying welcome to XXXX XXXX. I called the company they said the order never fully went through and it was cancel so credit management control send le a letter threatning to send to bill collections. I called the number and explained the whole situation The rep asked XXXX how would I be paying I called XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently
Product: Checking or savings account

I opened a platinum money market account XX/XX/2019 in response to a promotional offering from BMO Harris that I would receive a {$100.00} incentive 150 days after account opening. I met the terms of the promotion, which BMO Harris confirmed, but is has been greater than 150 days. I have not received the {$100.00} incentive and BMO Harris has not responded to 2 inquiries from me via my online account portal.
Product: Checking or savings account

Opened account with citibank for a promotion of XXXX if I maintain a XXXX balance for 60 days. Account opened on XX/XX/XXXX. Promotion stated make deposit within 7 days and maintain a XXXX balance for 60 days, get paid XXXX withing 30 days after meeting requirements. 
I called after 90 days in Late XXXX, they said it would be credited by End XXXX. 
I met requirements no bonus was paid, called back XX/XX/XXXX, they opened a case to look into it. Case # XXXX, never called me back. I called them XX/XX/XXXX, they said case resolved and I would not be paid bonus, because I had closed a previous account in XXXX of XXXX. 
This was never part of requirements on the web site when I setup account. 
This is Fraud, and if that were the problem they could have said that to me in XXXX, instead leading me on to keep my money tied up longer in their bank. 
I have cut checks to my other banks today to move funds, and will close this account as soon as funds hit my other bank.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I charged {$25000.00} to my XXXX XXXX credit card. All three credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all 3 credit bureaus. 

With my XXXX XXXX  and 15 years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my XXXX XXXX card. The company, XXXX, refused to honor the XXXX XXXX charge, 2 % bonus, but honored the 1 % reward. 

Please consider me a key witness, that can explain this before Senator XXXX, and all honorable members of Congress, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.
Product: Debt collection

XX/XX/XXXX Credit Management LP placed a collection ion my credit report from XXXX for ~ {$150.00} Credit Management LP has never contacted me about this assumed debt. Credit Management LP has never validated this claim. 

Credit Management LP recklessness is jeopardizing my employment- which requires employer to not owe debt. 

From research I found Credit Management guilty of mismanagement - I believe the company is repeating those same tactics. The company doesnt have a business license in my state I ask that this erroneous claim be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to the credit bureaus, creditors, and collection companies starting back from XXXX up till now. They violated my federal consumer laws. According to 15 usc 1681b ( a ) ( 2 ) it states In accordance with the written instructions of the consumer to whom it relates. Meaning i have to give them written premission to report this to my consumer report and i didnt. Some letters i sent certified mail and transunion simply decline my letter .I jus want them to know that im not working with a credit repair company i am the natural person, and online educaution is free now and days and please dnt asulat me againn
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing erroneously put a debt on my credit report that had been settled two years earlier with another company. 

I have no business with Convergent. How can a company simply put something on a credit report that is not accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my requests to investigate, verify and remove an account from my credit report that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies with a XXXX concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for XXXX and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my XXXX be updated to reflect the changes as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Carrington Mortgage is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to Carrington Mortgage on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to Carrington Mortgage. No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' Carrington mortgage just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to Carrington Mortgage. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.
Product: Debt collection

UNFURTUNALLY ON XXXX/XXXX/2018 COLLECTION AGENCY GOLD KEY WANTS TO COLLECT AMOUNT THAT I DONT OWN AND THEY DONT WANT, TOTALLY REFUSED AND OMITING TO PROVIDE PROOF OF THAT DEBT ALL WAHT THEY SEND IS A BILL FROM THE XXXX AND A BILL FROM THEM. 
IS INCREDIBLE THAT THEY DONT PROVIDED PROOF OF ANYTHING AND THEY TRYING TO COLLECT MONEY FROM NOTHING.
Product: Credit card or prepaid card

CITICARDS CBNA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CITICARDS CBNA along with a notarized affidavit claiming fraud. CITICARDS CBNA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CITICARDS CBNA to close their files which have any information with my name & social on it ...
Product: Checking or savings account

I opened an account with America First Credit Union, This account funded my XXXX account.They closed my account without my knowledge. The bank said they closed it with a notarized letter. They said it was closed in 2018 after my address change. I did not authorize. I have a letter of that but, I am holding it for my personal records. I did not notarize a letter to close my acccount. When I called them all my questions had been changed to XXXX information, My address was changed without my knowledge. My funds have been drained. 
My identity has been stolen, I have contacted the FBI and made a report to the local police they did not want to take the information. I spoke with XXXX XXXX XXXX and opened an investigation and he has never gotten back to me, When I opened my account with America First Credit Union with about XXXX, Then I funded my Cuso account with it. 

My XXXX account was worked with with XXXX XXXX and now has been taken by XXXX XXXX. When I looked at XXXX account I see that I am losing thousands of dollars within the past few months. 

I have an attorney doing an investigation on what happened with my funds. XXXX XXXX and has sent an inquiry to investigate it. 

I am in the process of a hellacious divorce with a person who's name was all switched over to their information. I need help. He is an IT tech and had access to all my information. When he came back to visit the kids he had a social security card and passport and other personal information. I do not know if he is responsible but, it is possible. He is in the military active guard reserves. Last address I knew was in XXXX Oklahoma stationed in XXXX XXXX. 

Please help me get my funds back and my identity. 

Thank you, XXXX XXXX