23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.
Product: Credit reporting or other personal consumer reports

These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

XXXX 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

Hello I have a car loan with XXXX XXXX, a Credit Card with XXXX XXXX and two student loans one with XXXX and one with XXXX. 

I paid all these accounts back current around XX/XX/2019 and by now I should see my score increase and these accounts no longer showing late. After numerous calls, I can't get Equifax to budge and update these accounts which is holding me back from having a score needed to proceed with important financing. 

Both XXXX and XXXX are showing me current but Equifax refuses to update my credit report reflecting I am now current on those accounts. Equifax still shows me delinquent on all three. My score increased by 72 points with XXXX, 64 points with XXXX and my score is still low and has not changed at Equifax. This is how I know they are not updating my accounts. All creditors have advised me they have accurately updated and sent my new payment history showing current to all three credit bureaus including Equifax. I'm not sure if they are behind or what it is but I need them to update my accounts accordingly or I'm suing them for inaccurate reporting and causing me a delay in financing. Please contact them and make them do the right thing. This is very unfair! My email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached XXXX to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed XXXX, XXXX, and Equifax that the following accounts are not mines. They are ; XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a call showing a number on my caller ID, XXXX, which is the XXXX XXXX Clerk 's office which I answered and was told I was speaking with XXXX who said she was from the clerk 's office and that I had to repay my payday loan immediately but that there was also a court order that my driver 's license was suspended and that they were attempting to complete service of process and also that there would be a warrant issued for my arrest and that I would have to go to jail and have to post bond to get out. They then told me to call XXXX in order to get the debt resolved. I called that number and the person who answered said that they were with an attorney 's office that was handling the debt I had from Ace Cash Express. I was told that I could either pay a settlement or do a payment arrangement but that I had to do that by tomorrow. I was told that I could not wait until XX/XX/XXXX even though I told them that I am going through an eviction and do not have the money right now, but that I can start paying in XXXX. 

I think that the collection agency disguised their number as the XXXX XXXX Clerk 's office and threatened me with jail and losing my driver 's license. I checked online with mycase.in.gov, which would list any court hearings, and I could not find any. 

Please help. 

Thank you.
Product: Money transfer, virtual currency, or money service

About a year and half to almost two years ago I was scammed via telegram where someone supposedly wanted to meet me and have a relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The collection company National Service Bureau is reporting a fraud account in the amount of {$1600.00}. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a fraud account and needs to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

( XXXX XXXX XXXX ) Venmo randomly and unreasonably suspended my account and unjustly withheld all of my funds, {$4000.00}, in their account for 180 days even after providing all supporting documentation including legal ID, physical address, full name, SSN, and bank statements. They will provide no reasoning nor support to any degree. After looking online, it seems I am not alone in this complex issue of holding people 's money for seemingly no reason, even after providing everything they requested.
Product: Debt collection

On Wednesday XX/XX/XXXX at approximately XXXX hours I called Fox collections to inquire about the date my dispute was entered. The agency in particular, office manager, XXXX XXXX, refused to provide that information, when I was willing to provided the appropriate information in particular the account number and or reference number for him. 

According to the CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. 


If you choose not to verify your identity by providing the requested information, for example, your Social Security number, the debt collector generally will ask you for another form of identification. That could be an account number for the debt in question ( if you know it ), other contact information, such as your current or previous address, your phone number, or one or more of your most recent transactions with amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Debt collection

Beginning on Monday, XX/XX/2024, the Discover credit card company started calling my mother and father. They have called repeatedly, leaving voicemails, every single day. It has now been 6 days of this occurring. My parents are not involved or co-signed on the card and these repeated calls are harassment, causing them distress. Discover has not called me recently, they have just moved on to my parents. 

I have closed my account and I am doing everything I can to pay the debt off. I have multiple debt amounts to pay, and it has taken me years to make progress.
Product: Debt collection

The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.
Product: Credit reporting or other personal consumer reports

Dear CFPB and TransUnion Re : Failure to Investigate Requesting Removed of the XXXX charge offs that contain inaccuracies but my not investigated within 30 days ( XXXX, XXXX and XXXX XXXX XXXX  charge offs ) On XX/XX/XXXX, I requested from Trans Union a thorough investigation on my account due to an accuracy specifically of XXXX charge offs ( XXXX XXXX XXXX  accounts, XXXXXXXX XXXX XXXXXXXX ) On XX/XX/XXXX Trans Union received my request for the investigation on the XXXX charge offs. 

Additional information was provided to Trans Union and on XX/XX/XXXX I was notified that Trans Union was completing my investigation on the XXXX charges The XXXX charge offs that contain inaccuracies are easy to find since I have only four The inaccuracies on the 4 charge offs are abundantly obvious On on XX/XX/XXXX more than 30 days after my submission and after the receipt of my request for an investigation, TransUnion sent me a preprinted form letter via a computer that was vague and ambiguous Trans Union Center their and ambiguous letter on Saturday outside of business hours The letter from Trans Union suggested that they have failed to do an investigation at all. 

Because they failed to do an investigation on the four charge offs that I had requested I suffered damage and loss Failure to do an investigation long after the 30 days or in this case at all is FCRA violation Sending me scripted form letters, long after the due date that is very ambiguous and difficult to understand is a matter of bad faith judgment. 

Since Trans Union failed to do an investigation and was allegedly unable to do an investigation on the four charge offs then Im asking that they delete the four charge offs in question.

The four charge offs in question are the following XXXX XXXX XXXX XXXX  Charge offs XXXX XXXX XXXX Bank charge offs XXXX with a XXXX balance another one with the reported balance of {$2400.00} XXXX XXXX  charge offs
Product: Debt collection

XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX. 

XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor XXXX 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 XXXX ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a MOV letter on XX/XX/23 to all 3 credit reporting agencies regarding account XXXX XXXX XXXX ( XXXX  ) XXXX based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who they spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation of 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Checking or savings account

Bank would not process transactions in timely manner and then abruptly process them when balance was low, resulting in overdraft fees. 

Subsequently started charging account fees on an account that was sold as a no fee account.
Product: Checking or savings account

I went in and talk to the banker about the overdraft fee
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XX/XX/year>
Product: Mortgage

I, like everyone else, was negatively impacted by the COVID pandemic. I called my lender and entered into a forbearance. At the conclusion of the forbearance, my lender sent me a trial plan and I signed and returned it. I started making my trial payments in XXXX. The trial plan should have ended after my XXXX payment. It did not. Calls were made to my lender asking for the documents. At this point, I was still paying the trial modification and had no agreement in writing about where the money was going or any terms. These questions were met with " we are behind, the VA is behind, we are working on it ''. The calls where I was told there was no problem and everything was going just slowly were on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. Every one of those calls were reassurances that the documents were being drawn up. Today, on XX/XX/XXXX I was told the file was just sent to the VA on XX/XX/XXXX. This now makes the situation worse. After months of being told to trust my servicer that they were doing everything correctly, that was untrue. The same people that misled me for months are now collecting monies with no written agreement. If they have been dishonest with speaking with me, I do not trust them when they tell me they are using my XXXX trial payments to pay back the loan. There is no agreement, they have not sent me anything with any terms or any explanation of what I am paying or where it is being credited to. I do not trust my mortgage company. Today, a representative, XXXX, advised that I am paying the mortgage, however my trial plan payment amount is not the same as the recorded mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately.

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.
Product: Credit reporting or other personal consumer reports

The delinquent payment showing on my credit report ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) was a result of my job loss due to COID-19. The CARES Act, which was signed into law on XXXX and ended XXXX XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.