23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a subpoena from XXXX XXXX Eaton Group in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. XXXX XXXXXX/XX/XXXX Hurricane Ida  damaged my home and I am now XXXX in Florida XXXX XXXX XXXX  I called Eaton Group XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said Eaton was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
Product: Credit reporting or other personal consumer reports

I have a couple of items on my credit report that I have no clue what it is and I was XXXX  at the supposed time these companies say I opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> venmo stole money from my XXXX XXXX account even though I had a large balance on venmo, they had no reason to take money from my account. Today XX/XX/year> when I should have about XXXX dollars left, venmo claims I have a negative amount when I cant even overdraft this card. Where is my money? Why did they freeze my account?
Product: Credit reporting or other personal consumer reports

I received both an email and a text alert from XXXX that my credit file had been updated. When I went into my XXXX credit file, I saw that there were XXXX hard inquiries from Capital One : XXXX on XX/XX/24 and XXXX on XX/XX/24. It was suggested that I contact Capital One first, which I did, and they confirmed with me that they could not find any information about a credit card being opened with my personal information. I then received an email from Capital One saying that they could not process the application for a XXXX XXXX XXXX credit card in my name. I then proceeded with calling the dispute line at XXXX to dispute these XXXX inquiries on my credit report. When speaking to them, I was advised to also file an identity theft claim with the XXXX. I was routed from their website to your website to file the claim.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Student loan

In XX/XX/XXXX XXXX XXXX applied for a student loan with Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX in XXXX, NJ. She started school, continued her education at the XXXX location, and then began her XXXX houXXXX XXXX program in XXXX, NY, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the same time paying her monthly payment of {$25.00} per month to Sallie Mae. In XX/XX/XXXX, she consolidated her loan with XXXX XXXX, the amount of the loan is for {$20000.00} for a 15 year loan. She began her XXXX XXXX payments XXXX XXXX. She completed her education and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX notified Sallie Mae of their closing XXXX XXXX, XXXX. XXXX was not notified. Sallie Mae disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, New York location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both Sallie Mae and NJ Department of Education that the XXXX school was not a Title IV school. The XXXX XXXX loan was consolidated in XXXX XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX  XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX license. Both XXXX of XXXX XXXX XXXX and Sallie Mae proceeded with a loan that was fraudulent. Sallie Mae did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career. What would be a fair resolution to this issue? The only resolution would be for the loan to be forgiven and XXXX receive back all her prior payments to a school which was paid by Sallie Mae but that she did not attend.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # XXXX has violated my rights.

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 instruction.
Product: Payday loan, title loan, personal loan, or advance loan

Omni Financial of Nevada has continued to avoid my concerns. My account shows C/O of XXXX but amount owed XXXX. 

Again, not only did I purchase debt cancellation with the original loan which shouldve took care of this debt but, and mainly, had it not- the balance should still only be XXXX. 

Ive never been provided right to dispute, payment plan option, nor a monthly statement outlining interest as required by FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

Dear CREDIT COLLECTIONS, I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, CREDIT COLLECTIONS , Inc. has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process. 
Continued Reporting of Inaccurate Information XXXX  continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report. 
Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). 
Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ). 
Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Product: Debt collection

This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I demand the accounts listed below be removed because According to 15 SUC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Argon agency out of Nevada has been harassing me for years. I've told them that I dispute the debt and to stop contacting me repeatedly, but they have called 5 times this week. I have also read that even if you settle the debt with this company that they do not remove it from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer Navient. Navient failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted Navient and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by Navient would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, 2017 advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, 2017. I called Navient and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is Navients policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

Navient, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which Navient agreed to and approved, according to this letter Navient still would have reported the delinquencies to the credit reporting agencies.
Product: Debt collection

I have received multiple phone calls from a company stating from National Recovery Services ( not 100 % sure this is the correct name ). They have called my phone, my girlfriends phone, other family members, & my place of work. They claim I owe money on a XXXX credit card. I have repeatedly told them I do not know what this is and they claim that they have sent a letter to me which miraculously I have never received. I received a call today, XX/XX/2021, and the person whom I spoke with, XXXX, repeatedly told me my credit was horrible as he has reviews my credit report and I dont pay my bills ( not really his business if I do our dont ), my girlfriend does not want to be associated with me because of my debt, asked to speak with my boss, and then asked if to speak to my XXXX son ( he is actually XXXX ) because he thinks he has more sense then me ( literally his words verbatim ). He was verbally abusive and refused to send a letter verifying the debt or stop calling. He just said I would be marked down as refusing to pay and taken to court to which I responded fine, Ill see you there. I had him on speaker phone and my girlfriend is a witness to the call.
Product: Checking or savings account

I applied for an Axos checking account on XX/XX/XXXX. Further information was requested and provided on XX/XX/XXXX. Axos requested a phone call to confirm my identity and this was scheduled with their representative XXXX XXXX on XX/XX/XXXX. I emailed XXXX and did not hear back. 

I sent a secure message to Axos through the application portal and a separate email to their email XXXX on XX/XX/XXXX. In both messages I inquired about the status of my account and informed them a representative had stood me up on a scheduled call. I received an automated email on XX/XX/XXXX informing me my message was being forwarded to the appropriate department for review. I did not hear back from anyone regarding my message. 

On XX/XX/XXXX, I received two secure messages in my application portal within seconds of each other. The first requested a contact number ( which I had provided in my application ) and the second message stated that my application was closed as I did not reply to requested information. 

The customer service of this bank is ridiculous. It impacted me opening a checking account and being able to timely pay bills. I don't know why this bank has such wonderful reviews in business articles.
Product: Credit reporting or other personal consumer reports

PLEASE CHECK ALL THE DOCUMENTS ATTACHED FOR YOUR REFERENCE
Product: Student loan

I have recieved confirmation of amount approved for group c of sweets v cardona settlement. ( in attached document ) However when I recieved a check from the dept of education it was only a 10th of the money I was to be given. When I contacted EDFinancial they told me false information or redirected me to my previous lender which is NO LONGER IN OPERATION for information on the refund. As well as the dept of treasury which I can not reach. 

From this I have been contacting edfinancial almost daily and have been given the same scripted response regardless of how I explain that they are liable. It is also far beyond the disbursement date from the approval date i was given which goes ahainst their own refund schedule among other things.
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 XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX has violated my rights.

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.