23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It  May  Concern : O n    XX/XX/XXXX  I got  a letter in the mail from  XXXX   XXXX  at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in  XXXX ,  XXXX  to become a   XXXX   XXXX  . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since  XXXX   XXXX   XXXX  sold my cousin 's account t o Navient. I ha ve also had a child in  XXXX  who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient  threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient  offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home  phone everyday even on Saturday and Sundays. They call back to back  up to 7-8 times a day  everyday, as early as    XXXX   XXXX   XXXX   XXXX   XXXX    and as late as     XXXX   XXXX   XXXX   XXXX   XXXX  . I have talked to  Navient  representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some  of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs.
Product: Checking or savings account

I submitted a court document to the Bank, which indicated that i was not charged with any criminal actions due to i did nothing wrong. But Bank of America is holding me liable for {$3200.00}. Furthermore, XXXX XXXX case # XXXX was criminally charged with theft. She was found guilty and is serving 5 years in prison ( weekend ). So, why am i being held responsible also. This is like double jeopardy.
Product: Debt collection

XXXX XXXX XXXX I CONTINUED TO RECEIVED REPEATEDLY ROBO RECORDED MESSAGES ALL THROGH OUT THE DAY XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX XXXX XXXX  ) ( XXXX ) RECORDED MESSAGE XXXX ( XXXX XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE THESE ARE ALL ROBO CALLS
Product: Credit reporting or other personal consumer reports

on XXXX, i sent all XXXX CRA 's a dispute about them reporting inaccurate and incorrect information on my credit report, also they are sharing my information without my consent, per 15 usc 1681b and 16 cfr 433.2-3.I am requesting that the requested information be deleted from my credit report and for each CRA sent me a check for XXXX for violating the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted XXXX about a false report of XXXX XXXX I was told that my XXXX XXXX  was paid off in full. I was apart of the XXXX XXXX XXXX lawsuit against XXXXXXXX XXXX  who was found to have made false XXXX XXXX information to the federal government. The agent sent me the receipt and said they reported it to the credit bureau. Next thing I know department of defense takes over for XXXX  and reports I owed them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the hell is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my cas
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.
Product: Debt collection

I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, 2017. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX collections XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX1This account have also been removed from my credit report and then reappeared a few weeks later. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} The XXXX XXXX XXXX formerly XXXX XX/XX/XXXX {$170.00} Incorrect address XXXX XXXX XXXX XXXX, NY XXXX Incorrect employer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, Ally Financial XX/XX/2021, XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/202XXXX XXXX
Product: Vehicle loan or lease

Ally financial did not apply two payments despite having accepted the money to my account for my car and on XX/XX/XXXX at XXXX they repossessed my car. They claim my account is 80 days past due when it is not as both the XXXX and XXXX payments were made. Now they are refusing to admit their error and not returning my vehicle.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my XXXX XXXX despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the XXXX XXXX  have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX, I am writing to formally dispute inaccurate information that has been reported on my credit report by XXXX, XXXX. I have never had a loan with XXXX XXXX XXXX, nor have I provided them with consent to report any loan-related information on my behalf. Their representation of this account as a loan is false, and the negative information reported as a result is inaccurate. 
The presence of this information on my credit report is unauthorized and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, which mandates the accuracy and authorization of information provided to credit bureaus. 
The inaccurate information I am disputing includes : Having a loan, having a past due balance, reporting payment that was never made
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I am filing this complafnt regarding an inaccurate item on my credit report that continues to negatively impact my credit Despite my eff orts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. l am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Mortgage

My first application for a hardship modification to Ocwen was submitted XXXX of 2016. It was rejected by the end of XXXX 2016. The entire package was resubmitted in XXXX of 2016 with updated information. Again, I was rejected after a cursory review. The information forwarded to Ocwen indicated that I was struggling to maintain the property..that I am a XXXX year old woman who has very few years remaining in which I would have the ability to continue working. I remain troubled that in the foreseeable future I could face foreclosure.
Product: Credit reporting or other personal consumer reports

The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : XXXX The credit Bureau Never responded to my initial method of communication via mail parcel. 2 of 3 bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAD A BREACH WHICH SEVERELY IMPACTED MY CREDIT. THESE ITEMS MUST BE REMOVED IMMEDIATELY!!!! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX AFFIRM XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX
Product: Credit card or prepaid card

Applied for a Nordstrom credit card with a {$60.00} note upon approval. Took over 30 days to get the card and now they are refusing to give me the {$60.00} note. Not my fault. I just called in and was told I have to use the care at Nordstrom too. I look at the disclosure and doesnt say that. This is such a scam!
Product: Debt collection

I was called XXXX  from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX  times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX  money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being XXXX. The last email I received from sallie mae never informed me of when or who they were selling it to and I was XXXX XXXX
Product: Debt collection

This complaint is in regards to a Violation the the FCRA as well as the FDCPA.. For Portfolio Recovery Associates constantly , with out regard, and my many attempt to get this problem cleared. Continues to reports debt illegally without verify the alleged debts. The two accounts which I've disputed starting back in XX/XX/2019 with PRA. ( XXXX XXXX Acct # XXXX, Amount {$450.00}, ), ( XXXX  XXXX Acct # XXXX, Amount {$430.00} ) .Requesting them to provide me with validation. However, to date they continue to send me a bill print out. As if that's substantial evidence of debt owed by me. They haven't provided any other proofs I requested in my initial letters, as well as subsequent letters requesting obligation to pay and a contract that I signed or gave authorization to someone else. They're committing fraud by attributing debts that don't belong to me and continue to do it without providing me with sufficient proof. This is a complete violations on my consumer rights under the FCRA and the FDCPA. Please investigate this matter. Thank you.
Product: Vehicle loan or lease

XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.
Product: Mortgage

Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. 

I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. 

Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. 

Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Transunion had 30 days to respond to my dispute.

This is a violation of my rights.

When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates USC Code XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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. 

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!
Product: Vehicle loan or lease

I purchased a XXXX XXXX threw XXXX XXXX XXXX in XXXX XXXX XXXX Where they never applied my trade and car was purchased for over book value. Also my payments were taking out of my bank account but never applied. When I stopped letting them take out payments I started sending money orders to there XXXX XXXX as it is listed as kia motors finance XXXX XXXX XXXX XXXX tx XXXX I have contacted them multiple times about payments. Why they are not being applied. They keep saying I am turned over to collections. I started making payments threw money order and have copies of the money orders being cashed but not applied also they are pulling my credit report every couple of months pulling my credit score down. I called to get pay off info for my bank and I was hung up on 3 different times. The car company XXXX XXXX has pulled my credit report as well since purchase of vehicle. Im trying to get it payed off and am getting no where.