23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out two debt consolidation loans with Prosper Bank and paid timely on both loans, I reached out to them in XX/XX/2020 to see if they could lower my payments since collectively they were over {$1300.00} per month which was fine when I had a roommate, but they moved out due to loss of work in early XXXX. They told me that there was nothing that they would do for me at this point since both loans were in good standing. I was hired as an XX/XX/XXXX for the upcoming XX/XX/XXXX, and this was going to help me get through COVID since having another person move in during COVID was out of the question since I am considered at risk. Due to COVID, I was never scheduled for work with the XX/XX/XXXX XX/XX/XXXX. I called Prosper once again, and they told me that they would not help me, again since both loans were in good standing. I had been taking out payday loans, borrowed from my XXXX, and paid my other bills on my credit cards until XX/XX/2020, I stopped paying. I contacted them again and they offered me " a deal '' on one of the loans which was still not sustainable in the current environment, and the other they said that they couldn't do anything for me. That loan has been sent to collection now, and they are threatening to enter a judgement against me. I fully intended on repaying, but I do not have the means and they will not accept anything but the full amount of the payments at extremely high interest and carrying it over another year at the rate that they are charging would cost me thousands of dollars. Even though I contacted them, they still placed me with collections which is wrong!
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Product: Student loan

I have reached out numerous times to find answers to our questions on the spousal consolidated student loans. Unfortunately, I have not been able to get the answers I need and am reaching out to you for clarification. 
My husband and I, under the guidance of Sallie Mae, took on a joint spousal consolidation back in XXXX. We have been in repayment since then. We have used a few deferments while off work for the birth of our children and then Sallie Mae sold or was renamed Navient. At that time, in XXXX, we then were told about the XXXX and have been in that ever since. We have paid over XXXX payments over the years and that is just since XXXX. I have no idea or can I find out how to find the number of payments we have made before that time. He graduated in XXXX and I was XXXX. 
Now, as you can imagine our loan has grown significantly since we have been on the IDR plan but I was very excited to see the new counting strategy. And then I come to find out because our loans are FFLEP we are unable to have the recount without consolidating into Direct Loans. After speaking to FSA, I was just informed joint spousal consolidations can not consolidate to Direct Loans before XXXX because they would have to be split first and this process has not been figured out. We have been paying on our school loans since XXXX and are still paying. I understand completely they are not paid off but I also know there is a 25-year limit. Unfortunately, since our IDR did not start until XXXX, we are now being told we are still going to pay until XXXX? On my Navient acct it says we started paying in XXXX. The person on the phone said XXXX is the count start? This has me completely baffled and I would like to know what to do from this point on. 
We now have three daughters in college and also have a PLUS loan out which we will be starting payments as soon as the freeze is over. I would like some sound advice for our own selves and also for my daughters and their future loans because as of now I feel both Navient and Sallie Mae have led me in the wrong direction in so many different ways. Our payoff amounts are less than the accrued interest on the loans and much more than the original loans. I understand accrued interest but the timing and recount I do not. Thank you in advance and please forward to anyone who can help. Please call with any questions. XXXX or email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to apply for a XXXX  rewards credit card. I was asked to call this number through the XXXX website. They requested a copy of my driver license and social security card. I repliedI have excellent credit and have never been asked this before so I refused to provide that per on their website. They replied they will be sending me some forms in the mail. So per giving them my ss number to check my credit through XXXX XXXX they have checked my credit through XXXX XXXX they say they are Barclay credit company  this was done on XX/XX/XXXX. If I get paperwork in the mail i will then forward that to you. I believe this is a fraudulent company I never have been asked to provide those 2 forms of identification before and I have excellent credit. Please follow back up with me at XXXX instead of a email Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 my information was inaccurately or fraudentley ran by XXXX XXXX which reflected a hard inquiry with Transunion. I've attempted filed multiple disputes by phone and i was constantly told to contact XXXX XXXX. i contacted transuion several times again by phone to dispute the unauthorized inquiry because XXXX XXXX denied my request for a letter of deletion like transunion told me to ask for
Product: Consumer Loan

I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. 

After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from Experian on XX/XX/2019 and noticed that I had 3 late payments on my credit report. If you check my credit report from XXXX and XXXX, I don't have any late payments on anything, I have work very hard on my credit report over the years to make sure of that. I am in a process of buying a home and Experian have not updated my credit report correctly or just neglected to update my credit report. The 3 late payments need to be moved off my credit report so I can continue my process of buying my first home. If this issue is not corrected I will file a civil lawsuit against Experian and what's really crazy they won't even show me what accounts were late because I don't have any late payments or collections. Experian you are the worst when it comes to updating credit report that's exactly why no one use you to verify anything. I tried to contact Experian about 4 or 5 times but was unable to reach a human on the phone.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some late payments reporting XXXX XXXX XXXX
Product: Debt collection

In accondance with the Fair Credt Reporting Act I am not liable for this debt of {$910.00} with LVNV FUNDING LLC, LVNV FUNDING LLC Account XXXX.which has violated my rights. I do not have a contract wi

th LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification. I also can provide inaccurate information between the 3 credit bureaus in which Ive contacted to dispute the account 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 : 11 also states a consumer reporting agency can not furnish a accourt without my written instructions 15 U.S. C 1681s-2b
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, Knows that these negative accounts & negative inquiries does not meet the FCRA reporting requirements, I do not recognize how and why these are reporting.. Please remove & delete these immediately!! I also sent out disputes to the bureaus as well cause this is just ridiculous & I was very much frustrated & confused on behalf of why I wasnt getting approved for loans and etc! I wish to have this disputed off the records of my name immediately as soon as possible as I have no knowledge of these accounts nor inquiries. Thanks.
Product: Credit reporting

Account # XXXX - XXXX Equifax is reporting my XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Equifax refuses to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called equifax several times I am being told that the information in my equifax account is inaccurate but the information in my equifax account should match what equifax has there are lots of inquires that were not made on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX CREDIT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau Experian Credit Report : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX  Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Account Closed Experian fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX  GA XXXX   XXXX has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX  Date Opened:XX/XX/XXXXAccount Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX 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 XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on
my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies obtained my consumer report unlawfully violating a plethora of my consumer rights. Not only did they obtain my consumer report unlawfully they are reporting to the credit reporting agencies as inquires. These companies are XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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 Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Transunion XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
Product: Debt collection

Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21
Product: Debt collection

Shellpoint they have been billing me an additional XXXX Every month since 2015 for insurance on a home equity account and I have my own home owners insurance. They first claimed we had bankruptcy which we never did now they changed it to home owners insurance. They owe us back pay since 2015. Our loan has been increasing and it took me all this time to find out why. I had my insurance representative on a three way call and then they denied that we were being charged for insurance.
Product: Credit reporting 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted Capital one again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by Capital One as promised.
Product: Credit card or prepaid card

On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL