23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks XXXX XXXX
Product: Debt collection

I have been paying Financial Asset Management Systems ( FAMS ) for two years on a student loan debt that is owned by XXXX. FAMS has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. XXXX had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to FAMS, including after XXXX offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid XXXX thousands of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against XXXX and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to FAMS for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from XXXX. In addition, before FAMS I also paid another debt collector that XXXX had hired to collect on the debt, thousands of dollars. The only reason XXXX switched from the old debt collector, XXXX XXXX XXXX, to FAMS was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle this debt for {$5000.00}.
Product: Student loan

AES claims that I owe them an amount ( and will not disclose if this amount is the final amount or if I will owe more in the future ) on my private loan consolidated in XXXX through XXXX XXXX now XXXX. AES claimed I refinanced not consolidated in full, so I owe them money. I have paper work showing they were consolidated in full and emailed these documents to AES. They never replied but continued to harass me with phone calls after I asked them to stop, and ruining both my credit and my co-signer 's credit. Neither company upon request will contact the other on my behalf. This has been going on for over a year. I make a monthly payment of $ XXXX to XXXX every month. I feel that I am being responsible for paying my student loan on time. My private loan to XXXX is over {$25000.00}. AES wants amounts of {$290.00}, {$130.00}, {$270.00}, and {$170.00}. They tried to collect with a lawyer and I contested asking for proof. All I received were the original loan documents not any paper work on the consolidation or so called refinancing. All the paperwork AES sent states that the last day of payment was XX/XX/XXXX. XXXX is when I consolidated my loan with XXXX/XXXX XXXX. The original principal balance of the consolidation loan I took out through XXXX XXXX was {$32000.00} and the paper work says paid in full. The loans paid in full were through XXXX XXXX/XXXX XXXX XXXXXXXX. One at {$8000.00} in XXXX, {$3500.00} in XXXX, {$8000.00} in XXXX, and finally {$5000.00} in XXXX. I have tried several means of communication and I give up. My next move will be to find representation if this is not settled in my favor. I received a letter from AESnon XX/XX/XXXX, stating they received a directive from my lender to delete trade lines assoc with my loans issued by NCT. I thought the worst was over. However, my husband and I are trying to get a mortgage through our credit union but my score is too low. I called AES and they said their accounts show me as defaulted and they have turned the matter over to NCT. AES claimed no knowledge of my letter from AES ( on official letterhead stationary with all my account numbers ). Meanwhile non of these companies will contact each other and I am being abused. Please help. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I filed an accurate police report in XX/XX/year> which stated the accounts that are reporting on my credit file are fraudulent, and that I do not know about opening up new credit in my name. I sent a copy of this police report to the credit reporting agency which is Experian. I requested for them to do a full and detailed investigation on my behalf. When the investigation was complete, they stated that the accounts came back as verified, when questioned about the verified item they stated that if a company stated it verified then it nothing they could do, this was told to me by an Experian representative. The credit reporting agency also told me to dispute again but remain with the same result which is damaging my credit worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the following information in my file. XXXX XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 

Please investigate this matter and delete it as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX XXXX XXXX. I had an accident in car, my insurance company totaled out vehicle, and full paid off loan. I was notified from insurance that check was sent and received. I contacted the loan department, everything was verified. However, I was never told that it was a {$170.00} balance. Months later i checked my credit reports because I was ready to purchase a new vehicle and I see a charge-off account for a little {$170.00}, that is against the law, I should have been notified to make payment before this fraud was placed on my credit report. I do not owe this and would like it removed from my credit report. I had 100 % payment until this lie was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company TARGET/TD XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Student loan

In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.
Product: Payday loan, title loan, or personal loan

Do to the Coronavirus millions of people are having financial difficulties but this company refuses to do anything to help anyone out in this situation. they are completely selfish and all they want is their money they could care less about their customers or people in general these people should be reprimanded by the government it is absolutely unacceptable for them to treat people the way that they do. I am having financial difficulties through no fault of my own. All other loans, creditors, landlords, banks, mortgage companies are all helping with deferred payments, forbearance or skip pays. They are the only ones who wont. This will hurt me even more then I already am. I have spent the last 10 years clearing my credit and rebuilding and because they are not willing to help their customers, I will lose it all because of this ONE company.
Product: Mortgage

I have tried for the last couple of weeks to call and make payment via the automated system like I always do. 
I noticed that even the usual automated voice greeting was not the same and the automated voice claimed that they did not have any of my information. ( Usually am identified by my phone number ) I was immediately suspicious but the System had the option of holding for customer service rep. I held for over an hour and gave up. 
I've attempted to do the same for over 2 weeks and decided to XXXX if Loancare were having issues. 

Information available on internet says Loancare had security breach and class action Law suit. 
Whatever the issue they have, priority should be their communication with their customers. So right now, there's no communication from Loancare and no way if we are even calling a secure line in view of the security breach. 
This is unacceptable and stressful because we don't know if they are going to turn around and charge late fees or issue foreclosure notices for unpaid accounts. 
Tomorrow is the last day of XXXX and still no email or letter communicating on the issue or directing how I need to proceed with payments This is UNACCEPTABLE and SEC needs to take over this process and resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. Despite my previous communication with TransUnion on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts were never late ( XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ) and I request the removal of these late payments. 



These accounts are not mine ( XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$8900.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} ), and XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ). I request its removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint via the CFPB to formally dispute inaccurate information that have been reported on my credit file. During a recent discussion about credit files while on vacation, I became motivated to check the accuracy of my own credit report. To my surprise, I discovered several accounts containing invalid and incorrect information. I am seeking the Credit Bureaus ' assistance in investigating and rectifying these errors promptly. After reviewing my credit report from XXXX, I have identified the following discrepancies : XXXX XXXX XXXX Balance : {$0.00} - I have found that the details concerning XXXX are entirely inaccurate and have not been corrected as promised. It is essential that this false information is promptly removed from my credit report. Despite claims of late payments, I engaged consumer counseling services and entered a consolidation plan where timely payments were made on my behalf. Both the XXXX XXXX and I confirmed with XXXX that the payments were never overdue. XXXX acknowledged the errors and pledged to remove the account, but unfortunately, this has not been done. 
XXXX XXXX XXXX Balance : {$0.00} - I have discovered an error in the Credit Bureaus XXXX report concerning this account, as it contains inaccurate and invalid information that leads to false details being displayed on my credit report. Upon contacting the Credit Bureaus, I was instructed to complete an FTC form to address this issue, which I believe should be considered unlawful for it to appear on my credit report. Therefore, it is crucial that the erroneous information is promptly removed. I want to emphasize that I made payments as agreed for this account and maintained a consistently satisfactory payment history throughout its duration without any problems.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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 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