23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on my sisters student loan. It was originally a XXXX loan that was sold to Sallie Mae. I also have loans with Sallie Mae from when I went to college. When I went to my account it shows my sisters loan incorporated into mine, as if I am the payee. I AM JUST THE CO-SIGNER. It actually wont allow me to pay my loans by themselves without selecting custom payment. They also changed my due date on my loans to incorporate hers. However, it was so frustrating after talking to two separate people that I paid the loan off entirely. It shows a XXXX balance, but is still on my account. If Im correct this is illegal. If the debt is paid, I am released as a co-signer and should no longer see the account. I should have never seen it in my loans in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a pre approval and immediately started getting dozens of scam calls a day
Product: Debt collection

XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX  XXXX XXXX  and XXXX focused and was rushed to the hospital, later on was XXXX  and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. 
I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. 

Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I held two separate accounts with Toyota Financial Services. One account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled on XX/XX/XXXX, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points. 
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). Regrettably, XXXX has yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX    23rd 2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to gi  ve me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX  . This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be rem
oved.Its an unverifiable account.please remove it/them
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX  Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Product: Credit card or prepaid card

Synchrony Care Credit and XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 The veterinary hospital told me to open a Care Credit medical use credit card. 
I told the front desk that I did not have income, I am a student. 
He told me to put SSI and food stamp as my income in order to get approved for the credit card. 
I did not need this credit card, i already have a XXXX credit card. 
This credit card was opened under fraudulent conditions, and should not be charged in the first place, and I should not be held responsible for the amount. 
Furthermore, the Vet hospital said we would not be charged because we told them we were low income and they would charge a third party organization for the statement. And that the credit card would just be on file. If we knew they were going to charge us thousands, then we would have left after the initial exam cost around {$100.00}.
Product: Debt collection

XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Consumer Loan

Once again Harley Davidson is continuing to call me after i made payment arraignments. They have called me twice after XXXX. The first time they called me after XXXX i told them i am working in Maryland apparently they did listen because they called me at XXXX on XX/XX/2015. I told them again that i was working here in Maryland. They called again this morning on XX/XX/2015. I asked them why they are calling me after payment arraignments are made once again i did not get a answer. They are becoming unbearable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my XXXXredit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I contacted suburban credit Corp on XX/XX/XXXX the same day I saw the debt appear on my XXXX XXXX app. They wouldnt verify what it was or any of my information. I never received any type of notification from this company at all stating I owe them anything. They never emailed, sent a letter or called me at all. I also sent XXXX a letter 30 days ago and havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date : [ XX/XX/XXXX ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Unauthorized Reinsertion of Removed Account Dear Experian, I am writing to formally notify you of my intent to take legal action against Experian for the unlawful reinsertion of an account that was previously removed from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
In [ XX/XX/XXXX ], I successfully disputed [ XXXX XXXX  Account # XXXX ] with your company, and it was removed from my credit report as a result of that dispute. However, despite this, the account was reinserted into my credit report on or around [ XX/XX/XXXX ], without following the mandatory procedures set forth in the FCRA. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted after removal, Experian is required to : Notify me in writing within five business days of the reinsertion, including the name of the furnisher of information and any relevant contact details. 
Certify that the furnisher of information verified the account 's accuracy before reinserting it. 
As of todays date, I have not received any notification or written certification from Experian regarding the reinsertion of this account. This lack of communication constitutes a serious violation of the FCRA. 
Given these violations, I am entitled to seek the following remedies under 15 U.S.C. 1681n and 1681o : Actual damages, including any harm caused to my credit rating, the emotional distress of dealing with this error, and any financial losses. 
Statutory damages of up to {$1000.00} per violation. 
Punitive damages as determined by the court. 
Attorneys fees and costs incurred in the enforcement of my rights. 
I demand that Experian immediately : Remove the reinserted account from my credit report. 
Provide a full explanation and verification of the account 's reappearance. 
Confirm in writing within 10 days that this account has been permanently deleted from my report. 
If Experian fails to take the above corrective actions and provide the necessary information within 10 days from the receipt of this letter, I will have no alternative but to file a lawsuit against Experian in federal court to enforce my rights under the FCRA. 
Please consider this letter as my formal warning and a pre-litigation opportunity to resolve this matter. I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not promptly corrected.
Product: Credit reporting

XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft, someone used my information to take out a {$720.00} loan with Self Financial. I did not ask for this loan, I did not apply for this loan. I have XXXX and I was notified by them about a credit change on my credit report. When I looked at my credit I found this loan on my XXXX credit report. XXXX is now trying to take care of this for me through their restoration process. This merchant is hard to get a hold of, no one answers the phone when calls are made. If calls are answered no one can help, can tell me if they received the documents XXXX sent to them on my behalf. I need this to be looked at on a higher level and get this account as fraud and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked by XXXX. XXXX and TransUnion ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a large furniture purchase in the amount of {$3200.00}, with a delivery window of " 4-6 weeks. '' I decided to open an account with Synchrony Financial to make this purchase. I put the total amount due to the furniture store on the credit card. I began making payments to Synchrony Financial in the amount of {$200.00} beginning on XX/XX/XXXX. I also made a {$200.00} payment on XX/XX/XXXX. I made these payments ( total of {$400.00} ) in good faith because the furniture had still not been delivered to my residence. I spoke with the sales lady at the furniture store who told me that I would have to begin payments even though I did not receive the furniture. In this process of of making payments I stayed in contact with the sales lady who repeatedly gave me excuses as to why the furniture had not been delivered. I finally reached out to XXXX on XX/XX/XXXX, who initially stated that I " should not have begun making payments '' until my furniture was " delivered. '' They stated that they would place my account on hold and file a " dispute '' with the store. XXXX policy states that they are to determine resolution of a dispute within 60 calendar days. We are beyond the 60 days and they have refused to provide me with any further information other than my account is still " pending '' review and the person responsible for my dispute in this department is named " XXXX. '' I have asked for the dispute team to make contact with me, provide updates and I have fallen on deaf ears. I continue to get the go around with multiple " account managers. '' The account manager I spoke with today ( XX/XX/XXXX ) named XXXX ( ID XXXX ) even went as far as telling me to stop calling that my " calling daily is not productive '' because there is " nothing '' they can do other than " email the dispute department. '' All I am asking is for my money back since they are beyond the 60 day window of their own policy. I also asked him how this incident does not constitute fraud and he was not able to answer me. XXXX has my money held hostage and by the way this furniture store is NOW GOING OUT OF BUSINESS! 

Through this entire process I've come to the realization that this furniture store did not follow the laws and regulations outlined by the state of New Jersey 's Division of Consumer Affairs. Not once did the store provide me with an opportunity to cancel my order ( state law ) once they realized there was a delay, they also did NOT provide me with a specific delivery date. The law states that upon purchase the receipt must have a printed date for delivery. They only offered a delivery window not a specified date.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXX/XX/year>