23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was inbetween jobs for about a year after I graduat ed. At one point, I entered into IBR but after I got married, was told, I no longer qualify despite the fact that only I repay my loans. Because I didnt have a steady job, I deferred and no one from Navient explained to me that the interest would be tacked on and inflate my monthly payment. I had an extremely low payment but after the deferment, I now have to pay {$1200.00} a month which is my cheapest option, at an interest only payment. This payment will go up every couple of years. Navient did not share this with me and did not try to help me find a lower payment. I am struggling to make this payment and it 's absurd to me that no on e from the company would have identified this to me as a future issue. I need a lower payment as soon as possible. I am going to begin calling the company every work day until they make an adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX
Product: Debt collection

After reviewing my credit report, I noticed Midland Credit Management was reporting on an alleged debt. I contacted Midland Credit Management on XX/XX/2021 with a Debt Validation Letter and requested for evidence that I had any legal obligation to pay them. They responded with insufficient evidence as well as violated my federally protected consumer rights. I have never consented to contract with Midland Credit Management nor gave them permission to breach my privacy. They have a total of 8 violations pursuant to 15 USC 1692. I am aware that I am the natural consumer and original creditor.
Product: Mortgage

I originally had a 2nd mortgage thru mortgage lenders, over the years it was sold numerous times the last company to be FAY servicing, theyve been paid off for over 2, years but havent released the lien, every time I contact them, they put the request into that department but nothing happens, Ive sold the home, money is being held in escrow now for a year, I have a letter stating its paid in full but thats not good enough for the county or title company, any help would be great
Product: Credit reporting

A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on  in 2014. T his debt is past the statue of limitations and over  XXXX   XXXX   XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violating of the law. Equifax is committing identity theft, they do not have my consent to report the accounts and addresses below. 

Equifax is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding a deletion of the unauthorized accounts and addresses listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Debt collection

Received a letter in XX/XX/XXXX from Source Receivables Management to pay them for an alleged debt owed to XXXX. I have no direct contract with Source Receivables Management and sent them a letter on XX/XX/XXXX asking for validation including a copy of the agreement that grants them the authority to collect this, any insurance claims that may have been made by the creditor, verification that this alleged debt was assigned or sold to the collector, and any commission they may receive. I received copies of old XXXX contracts and a copy of an old statement but none of these other items. 
I sent a follow up letter on XX/XX/XXXX stating they did not provide all the requested documentation and need to cease and desist collection efforts including reporting since it had not been reported or completely validated and no longer communicate with me or send mail about this alleged unvalidated debt. 
Since then I received a letter asking for payment on this alleged debt. 
Finally on XX/XX/XXXX I received notification that this has now been listed as a negative report on my credit report. 
Copies of both letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for multiple violations of federal law related to the handling of fraudulent accounts on my credit report. Despite providing both a police report and an FTC Identity Theft Report, Experian has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : 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  To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts : Notarized Identity Affidavit FTC Identity Theft Criminal Complaint XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Proof of Removal from other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX Data Breach ( see attached proof ), which has further contributed to the misuse of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

Discover Bank did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX & XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that Discover Bank wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. The 3 credit bureaus did not do a proper investigation. And a violation of 15 U.S.C 1681U for neglect and I request that the CFPB investigate this matter and take appropriate action to remedy this violation. Additionally, I would like a detailed response regarding the findings of your investigation and the steps taken to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Submitted a request on XXXX/XXXX/16 via Equifax 's online Dispute process to have the Consumer Statement ( which will expire on XXXX ) moved to the XXXX account as originally requested. My request also asked that the supporting documentation ( letter to XXXX ) be added to the account. 

It 's now been 45 days and as was the case when originally submitted, Equifax is yet to process the dispute as requested.
Product: Debt collection

Got a call from a XXXX XXXX who said she is a case manager for Portfolio Recovery Associates LLC and has a business matter to discuss. She stated that I owe a balance of XXXX for a unpaid XXXX XXXX bill. She stated that I needed to pay the balance in full and that I have 24 hours to pay or legal actions would be taken against me. I explained to her that I do n't have XXXX dollars and what could she work out with me. She said I ca n't work out anything with you unless you have the full payment. And she said well guess we 'll see you in court and we 'll get our money as we will file a motion to garnish your wages. And then she hung up.
Product: Debt collection

I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Product: Credit card or prepaid card

I have a Citi Costco Anywhere Credit Card. I recently received my annual rewards certificate. The redemption policy requires me to go to a Costco warehouse to redeem the certificate. Someone else who has a Citi Costco Anywhere Credit Card can also redeem the certificate in store. There is no other way of redeeming the rewards. The certificate expires by XX/XX/2021. I explained to Citi that I have a family member who has an underlying medical condition and as a result I do not see myself going into a Costco store ( or any retail store ) this year, even after the vaccination. I asked if Citi would allow me to redeem the certificate ( 1 ) on costco.com online purchases ; or ( 2 ) for a credit balance. The Citi rep was sympathetic but insisted that she has to follow the policy. She even admitted that she herself would not visit a Costco store.

This policy only helps Costco and Citi maximize customer spending but in light of the pandemic their refusal to make reasonable accommodations outlined above only shows that both firms put their financial interest above their customers ' health and financial wellbeing.
Product: Vehicle loan or lease

The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with Bridgecrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I sent Transunion a request to remove a dismissed Bankruptcy they did remove the inaccurate Dismissed Bankruptcy that was reporting to my credit. They then added it back with out notification. This Bankruptcy reads a XXXX $ balance and dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information Corelogic XXXX, CA XXXX ( XXXX ) XXXX XXXX. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. Corelogic Credco XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card

Everytime I make a payment to my credit card ( Barclays Bank XXXX Card ), they withdraw the funds from my checking account but do n't record it to my credit card until 7-10 days later. 
They 're obviously holding my money. Is this legal?
Product: Student loan

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Product: Credit card or prepaid card

In XXXX if 2021, I paid off my credit card with Comenity Bank ( XXXX XXXX ). I asked them to also close my account and to update credit bureaus that it was indeed paid off, up to date and closed. However, this company continued to charge me interest etc. 
I have contacted them NUMEROUS times in regards to them saying I owe them money as well as disputing late payments with credit bureaus. When I spoke to them on phone and email, they stated charges would still occur when a man account is closed. Well, noit shouldnt. A closed account, requested my customer, should in fact be closed. 
I literally wanted them to show this on credit reports and to be rid of them completely but that hasnt been the case. I am extremely fed up with this company and would appreciate help getting this issue resolved. I am among thousands that they have done this to. 
My good credit score has been damaged and they need to fix along with not sending me any more bills for a card I dont even have anymore.
Product: Credit card

I'm very concerned about this late payment on my account, as I've always paid on time. Please correct this mistake by removing it promptly.
Product: Mortgage

My homeowners insurance was due XX/XX/XXXX. On XX/XX/XXXX, I wrote to the mortgage company, XXXX, serviced by " Mr. Cooper, '' when they would pay. I received a note back stating that they would pay from escrow. Today, when double checking, I find that they did not pay and there was a note on my account that my insurance had expired, although they had not only my carrier ( XXXX  ) but my insurance policy number in their roster of escrow accounts. I paid the insurance premium myself with a credit card to The XXXX. I called XXXX, and wandered endlessly through their phone system. I was never able to speak with a person, and finally uploaded my policy documents through their website.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which must be rectified without delay. I have been XXXX since XXXX  and only recently returned to the United States, where I discovered these unauthorized entries on my credit report. 

Below are the details of the fraudulent accounts : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX It is evident from my credit history that I have maintained a responsible financial record, with all closed accounts being paid on time and no instances of delinquency or misconduct. Given this context, the presence of these fraudulent accounts is not only unwarranted but also severely damaging to my creditworthiness. 

As per consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy and integrity of the information reported on my credit file. The inclusion of fraudulent accounts violates my rights under this legislation, and I demand their immediate removal. 

I hereby request that you initiate an investigation into these fraudulent accounts and take prompt action to remove them from my credit report within XXXX business days. Failure to comply with this request will leave me with no alternative but to pursue pre-arbitration proceedings. Please be advised that I will seek reimbursement for any expenses incurred as a result of your non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the inaccuracies on my credit report. Should you require any further information or documentation from my end, please do not hesitate to contact me at the earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I have been trying to get a payment plan Ive been impacted due to the covid 19 and having financial hardship ally has not been in compliance with the CARE ACTS on XX/XX/XXXX I was able to put two month a behind only if I paid XXXX by XX/XX/2021 and than other XXXX by XX/XX/2021 which isnt really any help Im in need of a payment they also report to the credit bureau late payments three times and XXXX lowered my credit score Im trying to get back on track but its causing a distress on me. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the FTC, and have contacted the attorney general office. 


SANTANDER CONSUMER USA Acct # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/year>, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but XXXX that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.