23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I believe the federal Student Aid, US Department of Education and FedLoan Servicing are utilizing deceptive trade practices when borrowers consolidate their federal student loans. The reason behind is allegation is as follows : 1. When consolidating federal student loans they do not provide any type of Truth In Lending documents. They do not even provide the payment amount per month until after the right to cancel passed ( 60 days ). Once I realized that I could not afford the payment I was passed the cancellation date. Now I am stuck with a student loan payment that I can not afford. <P/>2. In the federal student loan online consolidation system it allows the borrower to check the box for an Income Based Repayment, regardless of whether or not your loans qualify for this type of repayment. This is a flaw in their system. <P/>3. Poor information is conveyed both verbally and through the website about the affects of consolidating Parent Plus loans into other federal student loans. We contacted Student Aid.gov and spoke with them prior to the consolidation and were not warned about the differences in payments between and IBR and an ICR. The website is not clear either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

inaccurate credit reporting. I would like to dispute .
Product: Debt collection

About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through Affirm ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. 

As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. 

Thank you for your time. 

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

XXXX XXXX XXXX XXXX  that was paid off is reported incorrectly by XXXX of XXXX credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today XXXX  XXXX XXXX  XXXX  XXXX, for a XXXX  XXXX XXXX shows the following : XXXX- XXXX Equifax- Derogatory XXXX Paid Please remove this incorrectly reported closed account from the bureaus.
Product: Credit card

It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.
Product: Student loan

I became  XXXX   XXXX  in  2010 a nd went through the paperwork to get loan forgiveness. The company kept saying that this paper or that paper was n't right. I kept getting the run around. I am still  XXXX   XXXX  and on a fixed income with  XXXX  children.
Product: Credit card or prepaid card

On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.
Product: Debt collection

Discover has on multiple occasions manipulated file data on closed account to further hurt score. Most recently they have moved the date of last payment to XX/XX/year> to further hurt score and prevent any new credit. Discover previously stated all information was verified but now are putting in data points specifically to further drop credit score. Previously the account was marked as having now payment since XX/XX/year>. When validity of these errors was disputed they began changing data to update to further add more poor marks to credit. Included are both the previous file as well as the updated file they have made false remarks on.
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and 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. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXX  XXXX | 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, XXXX, and Equifax, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on my credit report,
Product: Debt collection

No dates listed for XXXX XXXX now handled by SPECIALIZED Management Services. Highest balance was {$580.00}. I asked for the debt to be verified and no response was given. I made payments because I was told " I am just doing my job! You have no right to 'get on me for doing my job ' ''. I wanted to know what the debt was for. I was told " XXXX XXXX ''. I would like to know why it is reported " as late ''. Why not " paid as agreed ''? 
Specialized Management is notorious for trying to ruin credit.

Account number two : Original balance was {$290.00} and now {$170.00}. It is being reported " as late ''. Why " late '' if I make a monthly payment and the balance is decreasing? The same scenario. Specialized Management NEVER validated the debt and itemized what it was for? I received a nasty phone message that I MUST pay more money. I returned the call and asked what the debt was for. " I am just doing my job '' was the response ''. Whenever I have had procedures done at XXXX XXXX, I try and make a payment. They say they will bill me. They never say they will turn it over to collections in 30 days!

My insurance has paid on both of these accounts!

Specialized Management needs to learn customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

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 an account without my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

They contacted my XXXX  via text about the supposed debt they say I owe trying to find me. I've also asked them to send paperwork via mail regarding the supposed debt more than once and although they say they've sent it, I've not received it
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my personal and financial 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom this may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account must DELETE the account listed below. 

Creditor Name : XXXX In addition, DELETE all non-account holding inquiries over thirty ( 30 ) days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

This company repeatedly calls me XXXX or more times a XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Product: Debt collection

debt reporting is larger than the original debt amount I have made numerous attempts to contact Bank of America via telephone being on hold over 10 occasions for over 30 minutes representative never answered USPS mail. Not one single representative has contacted me in reference to the debt. 

Bank of America holds the debt but will/has not communicated with me to allow me to resolve the issue. this negative debt remains on my report without opportunity to rectify
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL -- ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to a financial institution called Synchrony Bank for violating my permissible purpose rights under 15 USC 1681b. They inquired on my credit report without my consent on XX/XX/XXXX, as SYNCB/SAMS CLUB. I gave them 10 days to respond and requested proof that I gave them permission. I told them if they failed to provide me proof, to delete the inquiry off of my report. However, it has been 29 days since then and they still have not responded.
Product: Credit card

Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.
Product: Mortgage

I purchased my home XX/XX/XXXX during XX/XX/XXXX when the federal government shut down I was unable to pay my mortgage so the federal government ordered that mortgage companies couldn't report adverse reports to the credit bureau because people couldn't make their payments so the mortgage holder put me on a forbearance and stated " they wouldn't report me to the credit bureau for missed payments, LIE they reported me and when I applied for a new mortgage to purchase a new home my credit score went down tremendously, so again this year when the COVID-19 pandemic occurred there was another law that mortgage holders couldn't report any bad information about payments but again my mortgage holder is reporting me as being LATE which adversely affects my credit score. I have the document showing that I have no payment due from XXXX, XXXX AND XXXX. I was promised on numerous occasions that the forbearance wouldn't affect my credit and that I would be reported as 'paying as promised ' and paying on time. even by my relationship manager that is handling my account.
Product: Mortgage

On XX/XX/XXXX, I received a notice of default and intention to foreclosure. In order to cure that default, I was informed to pay the past due amount of {$2400.00} by XX/XX/XXXX. I paid said amount on XX/XX/XXXX, in which I will be providing proof of  transaction along with this letter. Ever since this date, I have made all mortgage and property tax payments on time, which were electronically made to XXXX via my personal bank. Despite all payments being processed on time, I was told that I am missing payments to my loan and mortgage servicer. At the beginning of XX/XX/XXXX, I  was notified by a new carrier, Carrington Mortgage Services, that I owe a total of {$8000.00}. I tried reaching out to the new carrier to resolve this issue and was unsuccessful with their compliance. I have not received any monthly statements of payment history and/or confirmation of said payments within the last two years from them.
Product: Credit reporting or other personal consumer reports

I am writing to deleted the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please deleted this items as soon as possible.
Product: Debt collection

Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.