23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am the cosigner of a SallieMae for a friend of mine, in XXXX. In XXXX she became permanently and totally XXXX. She began making smaller payments than what they were demanding for repayment, explaining to them that she was on social security XXXX and couldn't afford the larger amount. They agreed to a lower amount but continued to accumulate interest in an amount that was larger than the payments she was making. ( the original loan was XXXX, and she now owes last i heard, XXXX ) I recently saw on their website under the " Common questions about cosigning a Sallie Mae student loan '' Q- What if the student dies or becomes disabled? A - If a student dies or becomes permanently and totally disable, we'll waive all remaining payments on their Sallie Mae student loan. Call us at XXXX. I encouraged her to push for them to waive all remaining payments, i helped her get the paperwork together she needed to send them. She just got a letter from them saying " based on the information you provided regarding your XXXX, we have reviewed your account and determined that you are eligible for release as the borrower of the private student loan referenced above. Release of your liability as borrower would result in the loan being transferred into the name of your cosigner. if you prefer to keep the loan in your name and remain responsible for repayment of the loan, please contact our office within 30 days from he date of this letter. if we do not hear from you within 30 days, we will complete the transfer to your cosigner. '' I feel like that letter is a bullying in their attempt to collect the payments and in violation of their own statement on their website. I don't know what to do about it, though. She is completely overwhelmed by it all and really believes anything they threaten her with. They tell her because it's in collections that's her only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Grain Inc has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, XXXX and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information that is ruining my credit, I demand that they remove all badly reported negative accounts on my credit, and I need them to send me proof of the investigations in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't Recognize None Of This Inquiries Please Remove Them From My Report.
Product: Payday loan, title loan, or personal loan

I received more than  XXXX  payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my  TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00}  XXXX   XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD  BANK NEVER solved this matter. Re: XXXX  and  XXXX  for the already submitted bank summaries from my account w ith TD Bank . My  former address was :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX
Product: Credit card or prepaid card

Hello. I was wrongfully charged on XX/XX/2021 from XXXX company for {$1500.00} and I filed a dispute as soon as I could right After and Barclays Card ( JetBlue mastercard ) has been a nightmare to work with. Theyre continuously closing/opening the case without even my knowledge and theyre lying. They tell me something different every time I call them.
Product: Credit reporting or other personal consumer reports

According to 15u.s. Code 1681 ( b ) 2 and FCRA section 60 5 b, XXXX, XXXX, and XXXX are reporting my credit report without my permission.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are been violated by credit bureau they are reporting inaccurate information violating my rights to privacy also they are furnishing accounts without any permission after I told them that this was fraudulent activity I have attached my identity theft form on the bottom please help me remove these immediately thank you so so much Ally finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Pretender lender loan servicer " Ocwen Loan Servicing '' employee " XXXX '' returned my call, XX/XX/2017 at XXXX. I told XXXX she and Ocwen must stop committing fraud against me, attempting to seize my property I own free and clear., XXXX informed me that she and other Ocwen employees will continue to service the fraudulent pretender lender loan account. Totally delusional and a total waist of time. I will retain XXXX now and the other lawyers who will back up XXXX and take on the Ocwen XXXX. Jury Trial Requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " 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 instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX  is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX  explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX, equifax, and XXXX are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : 1. Letter sent to XXXX 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX Bank Acct # XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 To whom this may concern, I am writing to file a formal complaint against I.C. SYSTEM, INC for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : I.C. SYSTEM, INC has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : I.C. SYSTEM, INC has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I urge protect consumer rights do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Product: Debt collection

I am having a problem with a collection agency which has called family and friends as well as my employer and left harassing messages and threatening orders of location and arrest. I have no idea what this even means. These messages have been sent to my employer and resulted in my employer bringing it to my attention alarmed. The recording of one such call was transcribed by XXXX and is provided via our company email. 

I have no idea of this collection agency and have called them and asked them numerous times to stop calling family and friends and to definitely stop calling my employer, every time I reach out to the company they tell me that they can do whatever they want and can call whoever they want and there is nothing I can do to stop them because the law is on their side. The women I have spoken with have been abusive and rude on the phone and have repeatedly threatened me with arrest and having a sheriff come out to arrest me. I tell them to provide validation of the collection and they tell me they are the validation! 

I am reaching out to this agency to help me put an end to this behavior from this company and to get them to provide proof on the original account or to remove this collection from my consumer credit files.
Product: Credit card

My husband and I purchased a credit card from Best Buy in XXXX 2014. We used their 18 months no interest financing. We were charged {$250.00} because we were {$23.00} off in paying the total in 18 months. We asked for a refund on interest but were refused. We asked for statements to research the charge but were told to get them off their website. They only have 6 months of statements with limited information and any more statement will be mailed in 7 days. We also tried to file a disputed while we research the charge but are unable to do so according to the website and representative. We can either pay interest on our interest or have charges negatively affect our credit while we try to reach a resolution and research these charges. The best solution the representative had was to send a letter to Best Buy headquarters which is " highly unlikely to help '' or wait until the charge is sent to collection to disputed the charge, XXXX of which are unacceptable.?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized inquiries that have appeared on my credit report. I have never applied for credit nor given permission to the companies listed below to run inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there are other inquiries on my credit report that I do not recognize and did not authorize. These inquiries are as follows : resident verify XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent or authorization. I request that these unauthorized inquiries be removed from my credit report immediately. 

Please investigate these unauthorized inquiries and confirm their removal in writing. Enclosed are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your prompt attention to this matter.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I have a student loan account with FirstMark Services, but I recently lost my job, making it impossible for me to meet the payments on my private student loans, which currently stand at {$720.00}. After contacting FirstMark Services, I was informed they did not receive the forbearance form I had filled out and sent back to them. In the meantime, they continue to impose late fees on my account. Given my job loss, I am currently struggling to make any payments, and I'm actively seeking employment. Unfortunately, I'm in a situation where I can not afford to delay these loan payments.FirstMark Services informed me that they have made the forbearance form available on my FirstMark account, instructing me to complete and upload it through their website. However, there is no specific forbearance form for me to complete and submit in this manner.
Product: Credit reporting or other personal consumer reports

They refuse to update and make corrections on my credit report.
Product: Debt collection

RE : Lawsuit Deceptive and unfair, since the Statute of limitations period in FL is 4 to 6 years. 

A certified letter was sent on XX/XX/XXXX without response ( XXXX ) I did not receive any notice regarding this dispute of this debit. 

I was living in XXXX State from XX/XX/XXXX to XX/XX/XXXX Then I moved back to XXXX.
Product: Prepaid card

I tried two separate times to use the debit card for a merchant two weeks prior to the card expiration date, and both times the card failed. Then, at the end of XXXX, 2023, the card expired, and the Bank Of America confiscated my {$67.00}! To me, who is living on retirement income, {$67.00} is a lot, but to Bank of America it is nothing. Yet their greedy policy makes no sense and is immoral, if not illegal. I wish to regain my {$67.00}. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft in the past. I have submitted a report to the federal trade commission with recent report number XXXX which I have attached a copy of for your reference. I have requested unauthorized credit inquiries to be removed from my credit reports and the only credit bureau that is not removing them is Equifax. I have sent many letters over the period of one year and included the ID Theft Report which should be enough and the other bureaus XXXX and XXXX have complied and removed the unauthorized inquiries, however Equifax has not. I have a right to an accurate credit file and this in unacceptable. The following inquires were not authorized by me and I did not apply in person or online for lines of credit with these companies ; XXXX XXXX ( I have not step foot in this car dealership or applied online or in any other way! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not even know who XXXX XXXX is or XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX {$0.00}