23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I used StudentAid.gov to calculate an IDR plan and have the application sent to my servicer, Aidvantage. Aidvantage sent me a message that the application had been received and that I would hear from them when it had been processed. The simulator calculated a XXXX XXXXXXXX repayment plan based on my income. 

XXXX months later I received a notification from Aidvantage that I would need to start paying back my loans ( over XXXX XXXX ) starting next month. 

I attempted to call them but the automated message informed me that wait times of more than XXXX  days was to be expected and that hold times were so long that they would be impractical. There is no other way to contact the servicer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I understand the Fair Credit Reporting Act entitles me to challenge any erroneous information in my credit report. As a responsible consumer, I take this matter seriously. However, I am disappointed to see allegations of delinquency and derogatory information on my report, which are entirely false. I request that you provide evidence supporting why my accounts are considered to be in a negative state. It is crucial to follow the law 's mandate that all information be documented and validated before creditors can utilize it. I'm concerned you are not fulfilling your responsibilities, and I urge you to rectify this issue as soon as possible. 

XXXX - XXXX This is completely inaccurate. - You have violated U.S. Code 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports. According to this law, a consumer reporting agency may only provide a consumer report under specific conditions, including having the written consent of the consumer in question. I never provided such written authorization for any information to be included in my consumer report. As a consumer, I demand the immediate removal of the accounts listed in this letter. If this is not done, I will pursue monetary damages through small claims court in my city and state. Additionally, we have already filed a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. 

XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 


I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2018. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit card or prepaid card

According to statement multiple transactions were charged to my credit card on XX/XX/2022 and XX/XX/2022. 1 in the amount of {$780.00}. XXXX from XXXX XXXX XXXX. I called in to dispute charge. Barclays investigation stated that charge was authorized. I am disputing this because I did not place order with XXXX  nor did I receive products from XXXX
Product: Credit reporting or other personal consumer reports

I have been subjected to egregious delays in credit reporting, as my student loans were transferred to XXXX in XX/XX/2023 from my former provider, XXXX. My Experian credit report has shown, since XX/XX/2023, my student loans under XXXX ( four total loans ) as well as the same four still being open accounts under XXXX. Effectively, my Experian credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my XXXX account. I am seeking that the Nelnet accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX XXXX {$28000.00}
Product: Vehicle loan or lease

Around the beginning of XXXX of XXXX, I sent DMV paper work along with a Check of approx. {$360.00} to my car lien holder capital one. Capital one forwarded everything to the XXXX  DMV. I was trying to transfer my car registration to the State of XXXX. 

In XX/XX/XXXX, I decided to cancel the whole process to save myself a little money just in case I end up going back to XXXX  so I figured Id wait it out. 

End of XX/XX/XXXX, XXXX  DMV sent back all the paper work along with a refund check for the amount mentioned above back to Capital One. 

End of XX/XX/XXXX, I received the paper work from capital one but with no check. 

I have called capital one numerous and I have been getting various responses regarding the status of the check. And here is some of them : 1. The check would be mailed out to you separately. 

2. Your check has been forwarded to corporate office for processing. 

3. DMV did not send your check and all we got was whatever we sent you. 

4. Please call title services department.

5. Please call corporate office.

6. Please check with DMV because we they said they will send you the check. 


On XX/XX/XXXX. I called XXXX  DMV and they confirmed a check was issued to Capital One and the only way to issue a replacement check is if capital one sends a written request explaining that they never received the original check and DMV should issue another one. 

Capital one is not being transparent and it is a shame having my auto loan through them. 

Today XX/XX/XXXX I received a letter in the mail from capital one ... the cover page is addressed to me, meanwhile all the other pages belong to someone else. If this kind of mistake is easily made, no wonder my check is no where to be found.
Product: Payday loan, title loan, or personal loan

I have a title loan with title max. After reviewing my state pawn contract, I noticed the principal amount was incorrect. I'm paying {$250.00} monthly interest. According to the pawn ticket, the principal amount is {$1700.00}. This is incorrect. I borrowed right at {$1000.00} TOTAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage has not reported my mortgage payments to XXXX, XXXX and XXXX. I switched my homeowners insurance policy to XXXX XXXX XXXX and cancelled XXXX XXXX XXXX and this needs to be updated in the records. Last, I requested for Broker XXXX XXXX Lic # XXXX, at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone : XXXX, Email : XXXX to list my property for sale. I have owned my home since 2018 and I would like to sell my property to purchase another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a Bankruptcy listed on my credit report that is inaccurate. 1 ) The file Number is incorrect 2 ) Incorrect Name of the court which is governed by law.3 ) Dispute was verified in several hours which is impossible and the inaccurate information is factual and can be seen on the Experian report.4 ) Not consistent with the other 2 credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$88.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Transunion has ignored my issues. The law of 15 USC 1681b-Permissble purposes of consumer reports states : 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 never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I sent Transunion a dispute letter, copy of government issued state identification, copy of social security card, and FTC identity theft report on XX/XX/XXXX demanding deletion of accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( open date XXXX ) XXXX XXXX ( open date XXXX ), and XXXX XXXX ( open date XXXX ). 

Also, the deletion of inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX
Product: Credit reporting or other personal consumer reports

After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXXXXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with XXXX on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with Experian on XX/XX/2023. Report XXXX XXXX. All of which were deleted from my report, please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with Experian XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.
Product: Credit reporting or other personal consumer reports

I'm deeply troubled by the presence of this XXXX payment on my account, as I've consistently made XXXX  payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Product: Credit reporting or other personal consumer reports

I got notice my information was shared on the dark web, so I pulled my report and there were inaccurate info that doesn't belong to me and I did not approve. I am asking items to be removed.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. CREDIT COLLECTION SERVICES Opened : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXXXXXX, has violated my rights 15 u.s.c 1681 Section 602 A state I have the rigth 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 Account number XXXX Original Creditor ' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I've sent a dispute letter to Experian regarding inaccurate information and accounts thats reporting to my consumer report. They are reporting that I live at multiple addresses when in reality I only have one address which is on my ID. They responded that the accounts were verified but never provided me any documentation that verifies them. The proper documentation should include signed agreements, contracts, receipts, etc. I received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

My available credit XXXX  went from XXXX toXXXX increase XXXX should be a plus using about 24 % of credit. My XXXX balance was increased XXXX, before i made a payment of XXXX on XX/XX/year> bringing my balance down XXXX including my leased auto and XXXX to XXXX total both XXXX, i have available credit XXXX using about 3 % of total credit. equfax dropped my fios score XXXX points and XXXX XXXX XXXX points.I have never had a late payment or any negative credit my fios always states excellent.Something is really wrong. I also own my house free and clear value over XXXX
Product: Checking or savings account

On XX/XX/XXXX I carried out 2 online charges one after the other using my CITIBANK DEBITCASH CARD. One charge totaled XXXX and the other totaled XXXX. My balance was checked before the charges were made and I confirmed after the 2 transactions that the money was removed from my account being that I have no pending charges accept a XXXX my account balance was stable. When I got my deposit my balance rose to XXXX which would be correct if I had XXXX and my a my check was XXXX. I check my balance today and now there is XXXX dollars missing leaving my correct balance negatively reflected when the money for both charges VIA DEBIT CASH was already taken from my account. I would like to recieve my XXXX for my CITIBANK ACC XXXX, I also notice that they settle finances in the middle of the night and also wait till Friday to settle pending charges which is conflicting being that people should be able to check and balance employment deposits without interference of deceptive banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX AV XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX
Product: Bank account or service

I received a mobile transfer from a XXXX XXXX account holder, on XXXX/XXXX/2016, for the amount of {$180.00}. I received a text from Bank of America with a confirmation number and a message saying it would be credited to my account. It has not been credited to my account as of XXXX/XXXX/2016. I have called Bank of America on XXXX/XXXX/2016 and XXXX/XXXX/2016, and visited in person on XXXX/XXXX/2016. I have spoken with a total of XXXX Bank of American representatives, going on a total of 5 hours talk time. Bank of America keeps telling me that only XXXX can resolve the issue by submitting a claim, while XXXX keeps telling me that only Bank of America can resolve this issue. I can not keep running back and forth between the XXXX banks as each tells me only the other can resolve my issue. Bank of America has consistently refused to accept accountability or responsibility for what definitively appears to be an internal error. If both banks refuse to resolve this issue, Bank of America has essentially stolen {$180.00} from me, and refuses to return it.
Product: Mortgage

After my Mom passed away, her family inherited her home. During the Probate processXXXX XXXX XXXX XXXXXXXX, the lender, transferred the mortgage servicing to Select Portfolio Servicing ( SPS ). However, after the transfer, SPS claimed that we were not authorized on the account and denied us access to the account, including payment information. Consequently, they initiated foreclosure proceedings on the home. Despite our efforts to obtain information on the payoff amount needed to rectify the foreclosure debt, SPS has refused to provide it. They instructed us to contact their attorney for the redemption period cure amount, but their attorney has not been responsive. It seems they are deliberately delaying the process, preventing us from resolving the debt and retaining our family 's home.