23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the following creditors verified debt that is linked to identity theft. I the consumer provided the credit reporting agencies with a police report, an FTC report, as well as appropriate documentation verifying my identity. As mentioned, these are not my accounts. I have no knowledge of these accounts 15 USC 1681b. 

XXXX XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The item you disputed has been updated, which may include an update to the disputed information. 

XXXX XXXX XXXX XXXX The company that reported the information has certified to Experian, XXXX, and XXXX XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXXXXXX The company that reported the information has certified to Experian, XXXX, and XXXX XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute.
Product: Student loan

I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following account from my file. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, Experian, and XXXX.
Product: Checking or savings account

There was a {$60.00} dollar unauthorized fraudulent transaction on my Bank of America account, that i filed dispute with bank. First they issues me temporary credit, but now they reversed the funds. 

I am a victim of fraud. But bank is denying facts..
Product: Debt collection

My sims was hacked and unauthorized affirm account was created with my identity. Over the last 30 days three unauthorized purchases have been made on Affirm without my knowledge. These loans were {$11000.00}, {$6500.00}, and {$8200.00}. on XX/XX/year> I called and informed affirm which they told me not to worry about making these payments. But later that same day I got an email saying I am responsible. This is not exceptable. Today XX/XX/year> I filled out an identity theft report and made the credit freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Too whom it may concern Im submitting this complaint on my own theres no third party involved. Georgia Student Finance Commission Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with Georgia Student Finance Commission. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through GA student finance portal. In XXXX I called GA student finance since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on Georgia Student Finance Commission part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.
Product: Credit reporting or other personal consumer reports

This account is not mine, and I have no affiliation with it in any way. It seems that there has been a mix-up with my information, and I am requesting that you thoroughly investigate this matter and delete this inaccurate data from my credit report immediately. As you know, under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that the information reported on my credit file is both accurate and relevant. The presence of this unknown account is a violation of those standards and must be corrected without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX ACCOUNT # XXXX # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions
Product: Vehicle loan or lease

I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?
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 confidently under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last four of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXX XXXX XXXX last four of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX  XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting correctly. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late as well as a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''. 
15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information.

Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

15 USC 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Under the new regulations that came into effect on XXXX XXXX, XXXX, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. The notice of debt was not received and/or the original letter does not give hardly any information about the debt, does not mention that you can dispute, and does not comply with Regulation F.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Equifax breach website, my personal information has been compromised and my credit history is at risk
Product: Credit reporting

I test drove a truck and while I was gone XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ran many credit checks without my knowledge to many creditors. XXXX has corrected this error but TransUnion and possible other credit bureaus have not as of this date corrected the inaccurate information. Upon returning with the truck the salesperson pressured us with a guarantee of a loan and at this time we did not realize our credit had been checked by so many creditors already. The points against our credit has hurt us several times. Those include - all for the date of XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX. I would like to clear this up with all credit bureaus even though I understand this should fall off in XX/XX/XXXX I have been fighting this for almost a year. I appreciate all help you can render. Have a wonderful day. XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX  Acct # : XXXX Acct : US Dept of EdXXXX Acct # : XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 or other personal consumer reports

On my Experian credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX  dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my XXXX credit report and in my XXXX credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Unauthorized charges to my account from XXXX XXXX XXXX in the amount of XXXX this happened on XX/XX/XXXX I put in a dispute with Chime. on XX/XX/XXXX I was refunded back XXXX I did not receive theXXXX all of the charges came from XXXX XXXX and the charges are unauthorized I would like to no why I was not refunded all of my money it was five different charges from XXXX XXXX why was an error found for one charge and I was refunded but not the four other charges i esnt my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Student loan

I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. 

For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. 

I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. 

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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX
Product: Debt collection

They called my number and left a voicemail ( that I kept ) that starts out, " Oh my XXXX XXXX. This is an important message from Reliant Capital Solutions a call from a debt collector. Please return this call at XXXX ext XXXX. 

They left no name of the individual. 

If someone would like to hear the message, I can always forward or someone can call me and listen to.
Product: Debt collection

I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.
Product: Student loan

I sent a check of XXXX to pay my student loans, and it was cashed on XX/XX/year>. It was NOT applied to my account and when I asked why they claim they can not find it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Continue to report negative Derogatory remarks on my credit report in the amount of {$2700.00}. 15 US Code 1679c - USAA FSB is reporting account closed - profit and loss. they have received the tax credit for this account and should remove this from my report. 

XXXX XXXX - Ask for a consumer - good faith and remove the negative reporting as it was paid as agreed. 

Hard Inquiry from XXXX XXXX XXXX - Never got a loan and need to have this removed per FDCPA XXXX XXXX inquiry - Need to have this removed as I never received a product from them and per FDCPA it should be removed
Product: Money transfer, virtual currency, or money service

On XXXXXX/XX/year> my renter sent {$2100.00} rent through XXXX, which I did not receive. Their bank XXXX told her that money is gone from her bank and deposited into my token and there is nothing more they can do. Bank of America ( my bank ) refuse to open a dispute as they never received the transaction.