23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I can't make a payment on my loan because it says " Your account includes TEACH Grant ( s ) only. Limited information may be available on our website. '' Are you KIDDING ME???? I don't have a teach grant nor have I ever had a teach grant. It's disturbing that this mistake has occurred without my knowledge and now I can't make payments on my student loan. I need to know how this occurred and I want this fixed ASAP!!!! You are hurting my financial health and I'm not happy.
Product: Credit card

I had an account with a good standing payment history consistently and account was shut down abruptly.
Product: Debt collection

I have a medical bill that goes back to 2012. The third party debt collector has not tried to contact me regarding this debt over all of these years. I have noticed that on my credit report that this bill collector is literally making inquires into my credit report every day. This is negatively affecting my credit score and I feel like this is being done purposely to affect my credit score in a vengeful way. I do not feel like this is legal due to the maliciousness of this action.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NATIONAL RECOVERY AGENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Debt collection

I get contacted all the time for a debt for a Credit card I have never owned. I never owned a XXXX XXXX card. The person they are looking for is XXXX XXXX and I do not know this person. But they follow me when I move. I have been threatened in the past, and gotten threatening calls saying they would contact XXXX. I do not know this person, and my wife and I are the only ones who live together. But they look for this person wherever I move. It is clearly identity theft of some sort.
Product: Student loan

MOHELA has INCORRECT information on my student loans. They have more than 8 payments in my " ineligible '' payment history listed as deferment/forbearance which is inaccurate. I have printed documents to support my claim of XXXX back in XXXX. Mohela 's FALSE/incorrect information has resulted in DELAY of my student loan forgiveness and i should not have been paying {$2500.00} since the repayment started. PLEASE HELP! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge po box XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$790.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Ive been disputing an account that was fraudulently opened in my name. The company, XXXX XXXX XXXX is listened on my credit report as a loan to which I have no knowledge of. 

XXXX claims to have done investigation, yet has not provided evidence of ownership. 

This account is severely impacting my ability to progress on a personal and professional basis. 



CFPB has all already filed a lawsuit against XXXX & Equifax alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX
Product: Mortgage

Our mortgage was sold to Caliber Home Loans from XXXX. We were to begin making payments to Caliber. We authorized our first payment to Caliber to later find out that Caliber turned the payment over to XXXX to cover a past due payment. I called and questioned why the payment did not get credited to the account number and company that I authorized it to go to and was told that Caliber. After questioning serval for phone agents I did not recieve satification in their responses. Since the payment would not be credited to the account I began to apply for a modification because we would now be behind with Caliber. After submitting modification paper work I was told that I need a profit loss statement because I received a XXXXmisc at the end of the tax year. I explained that I did not have a company and worked as a testing administrator as needed. I was told to find one online and fill it out. I found a generic form and filled it out averaging the total for the year in 2 statements and submitted the forms. Still upset that the payment did not get credited as authorized I was then told that I need to resubmit forms with my signature.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX  ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations XXXX  Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I purchased a phone online with XXXX  XXXX by using Affirm 's financing through their website. XXXX  has been entirely incapable of completing the purchase, cancelling the purchase, sending the phone, etc. for 3 days now. I am unable to purchase a cell phone using Affirm because they refuse to transfer my approval to another reliable cell phone compancy. They state I MUST continue to deal with XXXX, although XXXX  is completely incompetent. I no longer want any service, phone, etc with XXXX. Affirm is holding me financially XXXX to XXXX  for the next 60 days according to their XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611  ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data  breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

The company refused to mail statements Billing information or reminders. I exhausted due diligence without success. 
The I was told my pants weren't received through their ach XXXX system when funds were purposely left in and available per our agreement. Upon making several inquiries I was finally told to mail money orders to which I never received credit even after sending copies of money order history from purchase of money order. Theny requests were answered by : it's not our problem!!! We don't send statements, reminders, or any billing. My payments were being made available money orders never received and I stopped and refused to continue paying without some form of accounting!!!
Product: Debt collection

i need your help in a serious matter regarding my credit report. After reviewing my credit, i noticed the agency AMERICAN EXPRESS is reporting inaccurate information that is damaging my credit report. XX/XX/year> was there last report date of the amount of {$3600.00} ive contacted this company to provide me with the documents that this report belongs to me but every time i do they either hang up on me or say they will email me which i never receive anything. Please help resolve this issue as it is affecting my report. Thank you
Product: Debt collection

The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one shows XXXX late payments in XXXX. Account was paid in full and closed in XXXX.
Product: Debt collection

Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there were many inaccurate accounts on my credit 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 XXXXXX/XX/XXXX Based on other information ' l just received from US Department of education my XXXX has been placed on good standing and has been removed on defaults upon all these my reports has not changed but my scores is getting worst of which l cant explained ls really frustrating Consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i contacted XXXX couple of months ago and asked them to investigate and removed all these inaccuracies, hard inquiries from my credit report that they are illegally reporting and l requested specifically the alleged application bearing my signature they have not been able to provides those proof to me This si a violation of the fair credit reporting act and these disputed can not appear on my credit report if it can not be supported by any evidence or proof. it is really frustrating .This is not my first time reporting my issues but my scores keep on descending with same inaccurate informations .As l said the departments of education just adjusted my student loan status and removed it from deault and put it in good standing but the reports on my accounts is different why why why with my scores plunging down l need an answer
Product: Credit reporting or other personal consumer reports

Innovis is alleging I was late in the account listed as XXXX XXXX  Innovis has no first hand knowledge of this. I filed a complaint previously asking for evidence that is being used to validate this information. I was forwarded no response or evidence. This is my final attempt to get this resolved before initiating legal proceedings.
Product: Debt collection

Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX
Product: Debt collection

A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism.
Product: Debt collection

capital onecredit card threatened me when I told them I was in XXXX  during this time. they said well looks like your going right back and laughed at me. I can XXXX XXXX  because in was XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked a company would speak this way the card was XXXX on XX/XX/17
Product: Debt collection

Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the XXXX credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provided.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX XXXX XXXX, due to the account does not belong to e. XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.
Product: Money transfer, virtual currency, or money service

. On XX/XX/year>, I deposited a check of {$100000.00}, using the XXXX mobile application. It was a check from XXXX XXXX XXXX, a customer who I've been working with for more than 20 years, I never had any problems with their payments. After the money became available on XX/XX/year>, I made an international wire transfer to my supplier from XXXX in the sum of {$64000.00}. On XX/XX/year>, I noticed that my account became negative. I called customer service, but nobody could explain to me what happened. On XX/XX/year>, the customer service representative told me that the money ( {$100000.00} ) was returned to the check maker with no explanation because the reason for returning the money is confidential. I contacted the check maker and was told that they dont understand what caused this check to be returned as it was not rejected in payment protection, nor does it have a stop payment listed. On XX/XX/year>, the money was deducted from the check maker 's account and to their surprise, it was returned XX/XX/year>. Based on the above mentioned, I believe that Bank of America initiated this return as a retaliation for my complaint filed to CFPB XX/XX/year>, also Bank of America XXXX XXXX XX/XX/year>, canceled my online bills in XXXX XXXX and I consider it to be an improper interference with my business. On XX/XX/year>, I deposited a check of {$100000.00}, using the BoA mobile app. It was a check from XXXX XXXX XXXX, a customer who I've been working with for more than 20 years, I never had any problems with their payments. After the money became available on XX/XX/year>, I made an international wire transfer to my supplier from XXXX in the sum of {$64000.00}. On XX/XX/year>, I noticed that my account became negative. I called customer service, but nobody could explain to me what happened. On XX/XX/year>, the customer service representative told me that the money ( {$100000.00} ) was returned to the check maker with no explanation because the reason for returning the money is confidential. I contacted the check maker and was told that they dont understand what caused this check to be returned as it was not rejected in payment protection, nor does it have a stop payment listed. On XX/XX/year>, the money was deducted from the check maker 's account and to their surprise, it was returned XX/XX/year>. Based on the above mentioned, I believe that Bank of America initiated this return as a retaliation for my complaint filed to CFPB XX/XX/year>, also Bank of America XXXX XXXX XX/XX/year>, canceled my online bills in XXXX XXXX and I consider it to be an improper interference with my business. Bank of Amerika 's conduct was malicious and outrageous and warrants a thorough investigation by CFPB and imposition of sanctions based upon the tampering with bank records, breaches of contract and the torts committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account ( WELLS FARGO XXXX ) multiple times and yet somehow this account continues to report on my credit. I am requesting the removal of this account form my credit as it was opened by someone other than me. Please see the Federal Trade Commission report that I was advised to file by my attorney. THIS ACCOUNT is FRAUD AND YET IT CONTINUES TO REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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