23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. 
Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. 
Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. 
I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. 
I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....
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 XXXX : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Checking or savings account

I am having an issue opening up an Upgrade Rewards checking, savings, and credit card account. Upgrade is refusing to open up any accounts for me due to me having a current bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Upgrade is discriminating against based on my race and me having a recent bankruptcy on my credit reports. Upgrade is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want Upgrade to immediately approve and open up a Rewards checking, savings, and credit card account for me online.
Product: Mortgage

Our first mortgage is privately held. It is recorded properly, all documents on file in the public record. We receive a XXXX, and have proof of all payments. We applied for a home equity loan with XXXX XXXX XXXX XXXX and was denied - " Ineligible first lien financing ''. When I asked what the issue was - I was told that they don't lend behind a private mortgage. I do not believe a lender can discriminate based on who holds our first loan if we can show all of the same documentation that could be found on a bank issued loan. Also - the definition of " private '' loan does not appear in any lending laws I see - what is a bank vs private? The term is vague and I do not think we can be denied if our loan is paid just as a bank issued loan is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account # XXXX company name XXXX and XXXX company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and Equifax deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and Equifax with these accounts deleted.
Product: Credit reporting or other personal consumer reports

Their my.equifax report is completely different than what their actual report shows. I tried to address that, and now I cant login. It says I have to call. Trying to use the lost password way says I have no account, and trying to sign up says I have an existing account. And on it goes in a circle. I call and they have no idea whats wrong. They said Ill get an email from tech support in ten days. This is unacceptable. They cant lock you out and just not know why.
Product: Debt collection

On XXXX a caller at XXXX XXXX XXXX gave a third party personal info about my debt and was negotiating my debt with the third party without my knowledge or permission. He also did not disclose he was on a recorded line or attempt to verify my name, SSN, DOB, or Property Address before giving my personal info. Anyone person can call this company and get any debtor info without hesitation. I brought up that it was illegal and attempted to settle the debt he continued yelling at me. I asked to speak to his supervisor and I was hung up on. I researched the company and called back I spoke to the office manager and the office manager did nothing. The office manager would also not give me the attorneys name and said they dont have an attorney which I believe is also illegal. Additionally my contract did not state that I would pay collection fees and the debt collector admitted that there were collection fees added to the acct. I believe this is a sham to try and get me to pay more money so they can make more money rather then splitting the account with their client as their client agreement states.
Product: Credit reporting or other personal consumer reports

I called Transunion on XX/XX/18 which day stating on record that they never received the FTC report along with the documentation with my Heart inquiries FTC report I explained to them that I had a fragile account start at XXXX that needed to be removed. I had asked him four times in the past four days to remove the account Transunion refused to remove it because they said they never received the FTC report the report on XX/XX/XXXX when I called they said they did got it. They when I called again to clarify it. They lied on the recording saying they never got it so all the documentation on the XXXX of today.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ii was imoact by the equifax breach settlement my since 2017 they have pass my personal info to vartious agencies also my rec ort been mess up already file lots of claims and no responce
Product: Checking or savings account

XX/XX/2020 Checking account was closed with bank of america with no warning. I was trying to open an account with a credit union and was informed that my account was restricted by XXXX  ( XXXX XXXX XXXX ) according to the report the account was closed for Checking account fraud. My account was compromised and someone got into my account and apparently tried to deposit some funds without my knowledge.
Product: Debt collection

I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXXXXXX XXXX decided to send my account to yet another collection agency : XXXX XXXX XXXX. I submitted a letter to XXXX, to XXXX XXXX XXXX, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to XXXX XXXX XXXX at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. XXXX XXXX XXXX says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get XXXX XXXX XXXX to comply!
Product: Credit reporting or other personal consumer reports

I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.
Product: Checking or savings account

I had opened a High Yield savings account through the Apple Wallet with Goldman Sachs Bank USA. I went to buy a new car and put in a transfer in the app for {$10000.00} on XX/XX/2023 at XXXXXXXX XXXX. The transaction was to take 3-5 business days. Today is XX/XX/2023, I have made three phone calls to Goldman Sachs Bank, I was told they needed to verify that I was making this transfer. However, they never contacted me in any form. No phone calls, no text messages, no emails, nothing at all! I called on XX/XX/2023, to find all this out about the verifying of the transfer. After I did the verification process with the lady on the phone. They sent me a text message with a code that they needed to enter to push the transfer through. I was told it would only take 1-3 business days after she did this. It still hasn't happened! I'm on the phone once again trying to get this taken care of. This is very poor and didn't follow their own policies!
Product: Student loan

I am having various ongoing issues with the Department of Education, my previous student loan provider was XXXX XXXX, then Navient and my new student loan provider Aidvantage. I have filed multiple complaints with the Department of Education and Navient regarding loans being listed on my account that does not belong to me as I had never ever attended these schools. The loans and schools listed are XXXX University which I received a settlement card and notice last year regarding fraud with this school and XXXX. Department of Education and Navient is refusing to remove and update these loans from my account accordingly. Aidvantage has taken over the loans from Navient as a result of their recent lawsuit. My other issue is that during the course of COVID-19 Navient & Aidvantage with regards to my student loans allowed my loans to accrue interest even though they were not supposed to during COVID-19 due to laws that were put in place as a result of this. During this time, I went from having a prior balance of {$180000.00} to now owing almost $ XXXX. I am a current student at XXXX XXXXy XXXX XXXX XXXX, and I have 3 classes remaining to complete my MBA degree according to the school I do have not enough money to finish as I have reached my aggregate limit despite having loans in that I accepted with the school in the amount of {$9100.00}. Every time I call or send an email no one responds, and I receive the runaround constantly to no avail. I have not worked for 25 months since COVID-19. I have no money to pay XXXX or the current balance that is listed on my account with XXXX that must be paid in full before I can even register for classes. The school is refusing to offer any type of assistance to me despite the fact that I have amazing grades and a 3.5 GPA. All the money they make off of students and they can not assist one student with any type of assistance? There is no money for us as students at the graduate level like it is for those at the XXXX level. My only recourse would be to file XXXX XXXX  XXXX XXXX which would wipe out all of my debts. XXXX told me to apply for the XXXX XXXX loan which is the only option I would have in order to complete my last 3 remaining classes however I have no income so therefore this is not an option either. If my student loan account is updated as it should be by removing the 2 schools that I did not attend, I would have more than enough money to finish my last 3 classes. I am only responsible for paying for the one class and then XXXX would be responsible for paying for my last 2 classes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
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 XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account Number: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

This is my 6th 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. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX LAST 4 SSN : XXXX FTC Report Number : XXXX EXPERIAN have to remove immediately the credit inquiries that I never recognize on my credit report that is fraud and they have to remove it ASAP. Those credit inquiries not done by me and i did not apply for none of those creditors so please remove it immediately from my credit report, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate.

KOVO INC **** XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my XXXX  app, powered by experian, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.
Product: Payday loan, title loan, or personal loan

Keep getting calls from unknown number for a process server named XXXX XXXX, that she is going to be serving me papers and I need to call XXXX regarding account XXXX. I called that number and I talked to a person named XXXX and he stated he is with a company named XXXX. Told me I had an outstanding payday loan with XXXX XXXX XXXX. I do not recall ever having a payday loan with this company. Explained that I would need a Validation of Debt Letter sent to me via US Mail and if this was done I would have no problems paying this. Also explained that I have paid my debts and have proof of all debts I have paid. He told me this company is no longer willing to give me any more time and good luck in court. Then hung up on me.