23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX Borrower Defense Application # XXXX I received an email from the U.S. Department of Education stating in my a member of the class of Federal student loan borrowers covered by the recent settlement of the Sweet v. XXXX ( " Sweet ' ) lawsuit. I submitted a XXXX XXXX to Repayment discharge application relating to my Federal student loan ( XXXX ) The Department of Education reviewed my application and agreed the Sweet settlement relief. The Department has determined that I'm entitled to settlement relief for the loans taken out on or after XX/XX/XXXX associated with my enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) '' based on my allegations regarding the school 's misconduct. Pursuant to the Sweet settlement, the Department of Education said they will do following : discharge my Relevant Federal Student Loan ( XXXX ) ; Provide a refund for any payments made to the Department of Education on my XXXX XXXX XXXX XXXX including XXXX XXXX XXXX XXXX including XXXX XXXX XXXX loan debt that previously paid off ; and delete the credit report tradeline associated with the XXXX loan ( XXXX ). The U.S. Department of Education stated I will no longer owe the debt. Aidvantage has been made aware of the change and yet they did not send me any details about the discharge, including which loans have been forgiven. I did a follow-up XX/XX/XXXX by email. I received a reply back from Aidvantage stating I would receive an update between XXXX to XXXX business days and yet still no reply back. This matter needs to be resolved and yet Aidvantage sends me updates about my student loan when it will start up again and yet they still haven't changed my loan balance. I feel this company is well aware of this discharge and refusing to discharge it and continue to report the inaccurate balance of my student loan.
Product: Checking or savings account

On XX/XX/year> I deposited a check through a teller at my BofA branch in XXXX, CA. It was a $ XXXX check. The check was drawn on XXXX XXXX and was for a work injury settlement. Check was from XXXX XXXX  for my employer XXXX XXXX. I asked about possible hold on check because I needed some of it released. XXXX told me thatrr {$5300.00} would be released on XX/XX/year> and {$11000.00} would be released on XX/XX/year>. I agreed to that. Check was deposited and I have deposit slip reflecting this information. On XX/XX/year> checked account. {$5300.00} wasn't deposited. Called online banking and they said nothing they could do. I went into branch and talked to same teller and she said nothing she could do. I got very upset and talked to XXXX she said nothing she could do. Put me on a phone to the fraud department and it was XXXX and there was an extended hold time and at XXXX I was still holding and they kicked me out of bank. I talked to Fraud department this morning and they told me teller deposited information incorrectly and nothing they could do. She deposited entire $ XXXX which was to be held until XX/XX/year>. Deposit slip does not reflect that. This puts me in horrible situation because I am supposed to pay for a flight this morning for my son to fly home this morning and I don't have the money to do that. He has no place to stay and I don't have money for hotel for him. My brother was recently XXXX  and funeral expenses cleared out my bank account. Please help me!
Product: Credit reporting or other personal consumer reports

The following account are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

XXXX : XXXX XXXXXXXX Transunion : XXXX XXXX  XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, XXXX and Equifax credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Product: Debt collection

From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX  company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX  that started after I left XXXX  in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX  for taxes paid on my behalf while working in the XXXX for XXXX.

I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent.

I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply.

I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply.

In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX  on my behalf to answer my questions from XX/XX/XXXX.

Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )?

2. What rights do I have in this situation?

3. Will you interceded on my behalf and ask XXXX  to answer my questions from XX/XX/XXXX?

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

someone has my information and has been applying for things in my name without my consent! I have called Transunion on several occasions and they have done nothing about it! They will not remove the hard inquiries! I have placed a freeze on my credit report and a fraud alert They have accounts reporting on my credit that are fraudulent accounts! I have a fraud alert on my account and someone is still accessing my information!
Product: Credit card

On XX/XX/XXXX, I noticed that the minimum payment for my personal loan account had increased by {$150.00}. I made contact with AMEX chat that same day. I was advised to contact the next day as the personal loans dept was closed. On XX/XX/XXXX I contacted AMEX chat personal loans. They acknowledged it was an issue and was advised that they would submit my feedback on my behalf. I did not hear back so I contacted AMEX chat on XX/XX/XXXX. I was advised the investigation was ongoing and was issued a case number : XXXX and to try again in 3-5 business days. I made contact again on XX/XX/XXXX. I was advised that the system would not penalize me for the way their system was processing my payments, and that it would " normalize '' after a billing cycle. On XX/XX/XXXX I received a text from AMEX advising me that my account was past due and I contacted AMEX chat again. They advised that I was current and I could continue to use my cards. I logged on to my acct XX/XX/XXXX, and I got an automatic chat asking me to speak to a rep XXXX an important matter. I had to explain my entire situation again and I was transferred to another agent. I explained the situation again and they transferred me to another agent. I had to explain again. They assured me this would be taken care of and that my acct would be updated after 7-10 business days. A few days later I log on to my acct and I receive an automatic message again asking to chat. I had to explain the entire situation again. They advised they were putting all my cards on hold ( suspension ) due to the issue with the personal loan. I contacted them again a couple days later, explained the situation again. They told me they couldn't help me that day and so I tried again the next day and I had to explain the whole situation again. They asked me if I had already disputed the situation. I advised that I had multiple times. They transferred me to another agent. I explained the situation again, and they transferred me to yet another agent. Nothing was resolved so I called this time. Explained the situation again and was assured they would " escalate '' this and would take care of it. They transferred me to a credit card agent to unblock my cards and I had to explain the situation again and this new agent transferred me to another agent whom I had to explain everything to again to be told that I had to speak with personal loans. I hung up. The next day I chatted again, had to explain everything again. They assured me the personal loan issue was being worked on and that they would transfer me to credit services to activate my cards. I had to explain everything again and credit services referred me back to personal loans. It is now XX/XX/XXXX and the issue is still not resolved and my cards are suspended still. And as of my last contact ( XX/XX/XXXX ), they're still working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX Experian XXXX Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Call XXXX ( 4 ), Equifax XXXX XXXX XXXX XXXX  ( 5 ) to have all inaccurate address to be removed, ( XXXX every is reporting 2 addresses with 2 street names ) XXXX ( 2 ) inaccurate names to be removed. ( I do not have a middle name ) all 3 are reporting different version of inaccurate addresses. 

this is what my request was, I noticed youre reporting inaccurate personal information on my credit file, please review my request below. 
My only name is XXXX Please delete any other names you are reporting. 
My only address is XXXX  Please delete previous addresses you are reporting as they are inaccurate. 

I was told that they can not be removed as some addresses are begin reported as accurate by creditors and can not be removed.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXXXXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern: XXXX You are still violating the law by validating the account below without sending the necessary proof that it’s my account and that you have a right to collect on this account. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you “verified” that these items are being “reported correctly” ? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX   Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXXOpened: XX/XX/XXXXReported balance:XXXXXXXX XXXXOpen XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person . Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days. I await your response,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the XXXX point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

Equifax systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. Equifax rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. XXXX XXXX XXXX XXXX neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed/charged off. This collection agency continues to make harassing calls and leaving threatening messages at my workplace and to my elderly parent at home. Also, the collection agency has been advised in writing, to contact me by mail only.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. XXXX XXXX XXXX is reporting false information that is negatively affecting my credit score tremendously.
Product: Credit reporting or other personal consumer reports

To my disbelief my credit report has been accessed by these companies without my authorization nor consent, which has negatively impacted my credit and credit score. I reached out to Transunion, and their representative assured me that these inquiries would be removed. However, they still appear on my report. These unauthorized inquiries are causing me significant XXXX and concern that I might be a victim of identity theft, adding undue stress to my life and further damaging my credit score.
Product: Debt collection

I have some very alarming concerns about what these companies are trying to do. I have been receiving collection notices from TWO different companies. Why are TWO different companies trying to collect on the same alleged debt???? I feel very harassed and stressed getting these demands from TWO different companies for the SAME bill!!! The companies are Rodenburg Law Firm in XXXX, ND and XXXX XXXX XXXX in XXXX, VA. One of them sent a Sheriff with a summons to my house and handed a summons to someone else that was there. I do not remember which one I talked to on the phone, but they were very rude and demanding. I felt very harassed and was forced into setting up a payment arrangement that was financially out of reach for me. Even though I did not know what this debt was for, I tried telling them about my financial difficulties due to medical issues but they did not care. After speaking with my niece, who is helping me with my financials after my medical issues, she said we need to know what they are talking about before you send them money. We then sent them BOTH a request for validation letter. 
They BOTH responded. 
Portfolio response was with a few old credit card statements and a Hardship request form, which we filed out and returned to them. 
Rodenburg Law Firm sent a stack of statements and a demand for payment/ threatening court and a settlement offer due immediately. 
I am also VERY concerned as to why this company, who is saying they are a " law firm '', is sending information in the mail that contains my social security number on it for anyone to see???
Product: Credit reporting

I am disputing account number XXXXXXXX with Transunion for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from XXXX credit bureau then list it with another. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL XXXX Credit Bureaus and never reentered on my credit reports again.