23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.
Product: Credit reporting or other personal consumer reports

To whom it may concern I called equifax on Friday XX/XX/year> to have them correct the information that they have on my file. All the personal information on my file is incorrect. The repersentative hung up on me and nothing was done. I would like all my equifax to be unlocked by you guys. I sent a report earlier to you guys about the incorrect addresses and names. I would like all my credit reports unfreezed.
Product: Debt collection

Jpmcb auto finance, states XXXX XXXX XXXX XXXX  account with the amount of {$64000.00} was open that I have no knowledge of. I do not know if i am contractual agreement with this company and this goes against consumer laws US C 15 262. I constantly receive messages, phone calls, and letters, stating that this that can affect my credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security.

Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. 

In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. 

Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.
Product: Credit card

Comenity Capital Bank, which is part of Bread Financial. 
XXXX  XXXX XXXX XXXX  are issued by Comenity Capital Bank. XXXX ( TDD/TTY : XXXX ) obsessively calls regarding a delinquent account.

I filed a complaint submitted to the Office of the Attorney General - Texas in XX/XX/year> and am still receiving ongoing calls that might violate The Fair Debt Collection Practices Act ( FDCPA ) for the the Debt Collection Rule.

Here is the list of the most recent calls to my number on file with them : XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX This is just a list of the last 3 days worth of calls with many, many more days and weeks that follow the same pattern of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened checking account online with citizens bank. The initial deposit check was sent from my XXXX XXXX to citizens bank fulfilment center. That check was deposited XX/XX/XXXX Citizens bank has this {$8000.00} deposit on hold until XX/XX/XXXX. I have called citizens bank and visited the XXXX XXXX branch. I am getting a run around with no clear solution.
Product: Student loan

They consolidated them without my consent as well as going from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the XXXX Toyota XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and Toyota dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from Toyota and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with Toyota, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
Product: Credit card or prepaid card

Company enrolled in disaster relief for 2 months for Covid 19. After a week of not seeing it reflected contacted company again they stated it was lagging behind because of the demand which is understandable but they advised it was done incorrectly that case had to be cancelled and a new case created for two months. 

After allowing some time to pass I contacted again as the next month was approaching and I was concerned about the reporting as this was hitting my credit report derogatively when it should not have been. 

After speaking with several reps and several supervisors they advised rest assured this is going to be removed as your account clearly reflects this there has just been a lot of mistakes on my account with all of the confusion Then when I thought ok theyll fix and eased up I was delightfully surprised with yet another 30 days late which again clearly not accurate 100 % dispute and it needs to be fixed immediately I have never been 30 days late on this or any other credit card and surely didnt start now this is unacceptable
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting XXXX inaccurate accounts and they refuse to remove them. This accounts do not belong on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX. I demand they actually documents used to state these account belong to me. You have 7 days from the filing of this complaint to turn it over or I am filing a lawsuit because you are causing me problems. XXXX I have already filed a lawsuit against you.
Product: Mortgage

Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX To Whom it may concern : I do not agree to paperless communications for any of these loan information. All documents and other communications shall be sent by my mailing address and my email address. Please do not collect, use and disclose any of my personal and loan information to anyone.

Please mail or email all of these mortgage statements from 2016 to present and future statements. All correspondences shall be sent to my mailing address and email address. 

thank you, XXXX XXXX This is the letter I sent to Dovenmuehle Mortgage , Inc last month and have not received any response nor documents from them regarding this request. I would like all my mortgage statements ( past, present and future ) to
be sent to my mailing address, immediately.
Product: Credit card

According to the last complaint, his latest reply said that he would return my money, but more than a month has passed and there is still no result. I suspect that they deliberately want to embezzle the customer 's assets.Capital one.
Product: Mortgage

This issue had been ongoing for month and years. Today I received a letter from Well Fargo wth a copy of my original note that was signed for a rate of XXXX in XX/XX/XXXX..I was employed during that time and was able to pay. I tried talking to Wells Fargo many times during the XX/XX/XXXX down market period, but, was rejected. I had to lease the townhome in order to pay the mortgage and not go into foreclosure. I tried refinancing through a private company, but, since the ony income I have is social security I am always turned down. I have keopt the townhome rented at a cost to me financially and has become a burden. I have tried to sell the unit ( currently on the market ) -no takers. Well Fargo has always refused to refinance my mortgage because of income ... again, today the letter states call them for refinance really they keep me in circles instead of helping me. I am an XXXX yr woman that needs a little help. 
Don't know what else to do XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The item reported by Experian and XXXX  should have been deleted and XXXX sent Experian and XXXX  a letter that the account needs to be deleted. Experian and XXXX  has not deleted the account off my credit.
Product: Student loan

Sent XX/XX/XXXX : I am formally disputing the validity and enforceability of my student loan obligation due to a breach of my personal and financial information, which was compromised without my authorization. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the Family Educational Rights and Privacy Act ( FERPA ), my personal data should have been safeguarded against unauthorized access and disclosure. The Higher Education Act ( HEA ) also establishes standards for the handling of student loan information. The recent actions have resulted in a violation of these federal protections, rendering my agreement with EdFinancial legally unsound. Given this breach, I assert that my loan contract is no longer binding, as it was compromised under circumstances that violate federal law. 

Given the severity, I request an immediate cancellation and discharge of my student loans and a formal investigation into this breach of my protected information. 

Email : customerservice@edfinancial.studentaid.gov replied XX/XX/XXXX " Thank you for your inquiry regarding the unauthorized release of information and its implications for your federal student loans. 

Edfinancial Services, as a contractor to the U.S. Department of Education ( ED ), is committed to adhering to all applicable laws and regulations concerning the management of customer data. Edfinancial Services has not engaged in any activities that would expose data through unauthorized or unlawful means. We are contractually obligated to comply with federal government and ED record retentions laws and standards, including the Privacy Act of 1974. Edfinancial Services, as a contracted entity, is not permitted to copy, delete, archive, or transfer borrower data without the prior written consent from ED. Such consent is granted only when lawful and necessary. 

Regarding loan discharge and forgiveness, Edfinancial Services is authorized to discharge or forgive loans only under programs established by statute and the regulations thereof, and only when a borrower meets all program requirements as validated by ED. To learn more about current student loan discharge and forgiveness programs, please visit StudentAid.gov/manage-loans/forgiveness-cancellation. 

Please note that the Privacy Act of 1974 governs the collection, maintenance, and dissemination of personal information by federal agencies. Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) is designed to protect the privacy of student education records and grants students certain rights regarding their records. 

While both mandate adherence to fair information practices and restricts disclosure without consent, neither provides mechanisms for discharging student loans due to privacy violations. 



If you have specific questions or concerns about your account data, StudentAid.gov provides general information, including details about aid, enrollment history, and other assistance. If you have detailed questions about your account, please contact us at XXXX. 
Thank you, XXXX Edfinancial Services ''
Product: Debt collection

I consolidated all my Federal Student Loans with XXXX XXXX as my servicer in XX/XX/XXXX but Navient/XXXX  started billing me for the reference loan. I have been writing them disputing the loan and telling them it was included with all my loans in XX/XX/XXXX. They also have been reporting this loan on my credit bureaus, XXXX  and XXXX. They also have it reported as a defaulted loan. I filed Bankruptcy in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time I listed this loan. 
I wrote Federal Student Aid and the Ombudsman Group to assist with resolution. Ombudsman has been working to solve the error made but XXXX but it is still on my credit reports and listed as a defaulted loan. This is the information who is helping with this issue for months. 
FSA Ombudsman Group Case # XXXX Inference : Federal Student Aid Federal Family Education Stafford Subsidize XXXX XXXX XXXX XXXXt phone # XXXX XXXX XXXX Please assist with XXXX  fraudulent information being reported to credit agencies and they are trying to collect monies from me that I do not owe them. 

This is what XXXX is reporting to credit agencies that is incorrect information because I have included this loan into XX/XX/XXXX consolidation and filed it in all my Bankruptcy Cases. 
XXXX : opened XX/XX/XXXX Original Creditor : Navient XXXX XXXX XXXX DBTCA ELT High Balance : {$2100.00} Thank you for your attention in this matter. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Prepaid card

I received this card in XXXX because I had money on my XXXX XXXX account from buying at select stores and this was a rewards program. I was supposed to get a card with a balance of {$2.00} on it but when I went to use it today XX/XX/XXXX it showed a XXXX balance and no transactions. I even searched from XXXX of XXXX up to date and the card expires XX/XX/XXXX. The Debit card came from MyPrepaidCenter.com. I know it's not much money but I did earn it and it seems the company makes it almost impossible to file a claim for XXXX balances on new cards. That's just is not an option they offer anyone to choose from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 

XXXX XXXX XXXX Past Due Amount : {$1300.00} Dispute XXXX XXXX XXXX Past Due Amount : {$190.00} Dispute XXXX XXXX XXXX XXXX
Product: Student loan

I enrolled at XXXX University Online. I informed the Registrars office that I did not have a high school diploma. They stated that this was not an issue and they could use my " life experiences '' as basis for enrollment. I did not do an entrance exam and I was only given a login and password. I did not understand the curriculum and after 10 days of trying to do it figured out I was not going to be able to. I called the college and unenrolled and was told that my I would not owe anything do to the circumstances of me not having a high school diploma. I have sent Navient " My Loan Holder '' several documents stating the facts, all the documentation that is needed for loan discharge but I keep getting the run around and the generic Denial Letters. I believe that they are not investigating the situation. They keep saying I was enrolled in XXXX University XXXX, which I have sent proof from the National Student Loan Data Systems and the registars office at XXXX University XXXX. The last response I received from Navient is asking for verification from the college that I was not given an entrance exam. How do I complete that since the college is no longer in business. I am one of the many victims that XXXX University Frauded. I have attempted to rectify the issue with Navient with no success. I am in need of the CFPB help to make this matter right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX accordance with the Fair Credit Reporter Act XXXX account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

In recent months, on my credit report, the account XXXX XXXX ( XXXX ) has been reported consistently on only one credit bureau ( Experian ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue I am experiencing with XXXXXXXX XXXX  regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX XXXX discharge, I contacted XXXXXXXX XXXX to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.
Product: Credit reporting

Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.