23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). I have resent the XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit on XX/XX/XXXX. I also filed a complaint with your department on XX/XX/XXXX, for the unauthorized debits to my bank account. The complaint ID is XXXX. Explore Credit responded that there was a system glitch, and would be refunding the payment of {$680.00} and {$50.00} After all of this, again, on XX/XX/XXXX Explore Credit has taken yet another payment of {$50.00}. This has caused a great amount of financial stress. Im not a lawyer but isnt it illegal for them to take any more payments after the XXXX XXXX XXXX to Initiate Electronic Funds Transactions has been given to them?
Product: Credit reporting or other personal consumer reports

It has been 30 days and these XXXX  loans from XXXX, this account Is still waiting a response from the creditor. Please have this account deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There is a deadline to opt out of The SAVE program which has run into Federal road block.

I was informed that I could opt out and return to the Income Based Repayment play I was on before moving to SAVE. I was told that deadline is the XXXX of XXXX. I did try to get information as to how I can remain on income based repayment IBR. However all of the options to return to or reapply to the IBR plans are grayed out. Not clickable.

How ever my option to return to my previous IBR should remain Eligible because I notified them before the deadline.

The only email I got from Mohela was stating that they now have full access to our Social Security number. Im not sure why they need to put that information in an email.

There is no information which says whether SAVE will still survive as a IBR plan or not. Further, the current administration were to lose the election It appears that Borrowers will be in a major conundrum. 

Lastly, but very important, tax filers until the XXXX of XXXX every year to file Tax returns. Restarting the billing process prior to that will cause defaulting for millions of borrowers who may not receive all the necessary paper work to file before then.

This will manufacture default if you are billing above the income threshold before borrowers can file taxes showing their income is below the threshold.
Product: Credit reporting or other personal consumer reports

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. 

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party. 

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Product: Vehicle loan or lease

Subject : Urgent Matter Regarding Recent Vehicle Purchase - Seeking Resolution Dear [ Dealer 's Name ], I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding the recent purchase of a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. While I appreciate the opportunity to do business with Credit Acceptance, I have encountered a few issues that require your immediate attention. 

Upon reviewing the contract, I noticed a statement on Page 1 that declares my acknowledgment of the " delivery and acceptance of this vehicle in good condition. '' However, during the completion of the contract, neither Credit Acceptance nor XXXX XXXX conducted a thorough inspection of the vehicle 's condition. The XXXX XXXX I purchased had XXXX miles, and I believe it's only fair to ensure that a car valued at {$20000.00} is indeed in good condition. 

Furthermore, I observed that according to 15 USC 1605, the finance charge can include insurances. However, I was not provided with any insurance coverage and was instead encouraged to sign up for an optional warranty or service contract. The service contract offered only covers 24 months, which is half of the minimum 48 months my contract would last if all payments were made on time. Given the high mileage of the vehicle, I am concerned about potential repair costs that may arise after the service contract expires, leaving me responsible for any damages. 

During the paperwork process, I felt rushed and not given adequate time to thoroughly review the terms and conditions. This has left me feeling misled and deceived, and I believe these concerns need immediate attention to ensure a fair and transparent resolution. 

I kindly request your assistance in addressing these issues promptly and finding a resolution that ensures fairness and transparency in this transaction. I am open to discussing this matter further and appreciate your attention to my concerns. 

Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I previously held a personal loan with XXXX XXXX, which was formerly known as XXXX XXXX. In XXXX, I encountered significant financial difficulties, making it challenging to negotiate a reduction in the interest rate with the company. Consequently, I sought assistance from a debt consolidation firm, XXXX XXXX, which facilitated the consolidation of my outstanding debts. XXXX XXXX accepted the settlement, and I fulfilled the payment agreement. Following this, I received a Form XXXX for the portion of the debt that was deemed taxable income, for which I duly paid the corresponding taxes. The debt was subsequently reported as settled on my credit report ; however, I have recently observed that the debt has reappeared on my credit report, indicating that the portion of the debt previously written off is now marked as unpaid.
Product: Mortgage

Purchased home XX/XX/2020 mortgage through XXXX home loans. First payment XX/XX/2020 XXXX made online to XXXX on XX/XX/2020. Second payment due XX/XX/2020 XXXX made again online to XXXX on XX/XX/2020. Received a letter on XX/XX/2020 from Loan Care  stating my loan had been transferred from XXXX to Loan care as of XX/XX/2020. Any payments prior to XX/XX/2020 could still be made to XXXX loans. I made my payment correctly to the letter received attachment included. XX/XX/2020 received a letter from loan care stating i am deliquent on my XXXX payment. Called loan care customer service 7 times in XXXX stating i have proof XXXX bank statements XXXX showing XXXX to XXXX  sent to loancare on XX/XX/2020 XXXX call to XXXX. loan care rep stated would escalate this again to a supervisor to allow 7 days. Called XXXX  loans and was sent payment history showing payment made for XXXX. XX/XX/2020 seen no change on loancare.com for payment being behind. Called loancare customer service was told by rep payment received XX/XX/2020 was applied to XXXX and was behind. Stated once again invalid sent in bank statement showing payment taken XX/XX/2020 to XXXX home loans hard posted XX/XX/2020. Loan care rep stated nothing can be done with my principal payment XXXX in unapplied payment because did.not know.where it needed to go. I set up a 3 way call with XXXX  loans and loancare on XX/XX/2020 XXXX  XXXX  rep stated to loan care rep XXXX payment was applied on XX/XX/2020 and was included in the payoff transfer amount given to loan care in amount.of XXXX. XXXX stated would XXXX follow up with supervisor allow 7 days. Today XX/XX/2020 received email from XXXX stating my bank statement for XX/XX/2020 payment of XXXX to XXXX  loans hard posted XX/XX/2020 was not sufficient proof of payment. Submitted today XX/XX/2020 XXXX XXXX  payment history to payment XXXX called loancare again asking for follow up. Rep stated again no reflection of payment showing and still behind. I asked to spean to the supervisor. Was told supervisor would give me a follow up call after XXXX XXXX-XXXX  because of my work schedule. No call received. Loan care rep just states i have respa protection for this. It has been 30days and no resolution. I have once again reached out to XXXX XXXX  spoke with the orginal mortgage lender for my loan and was told this would be taken care of. I am frustrated and stressed out and do not want this to reflect on my credit score. I made my payments have proof and want loancare to be investigated.
Product: Money transfer, virtual currency, or money service

I purchased a money for {$320.00} that was no longer needed, I asked for a refund, in which a check should have been mailed to XXXX never received the check.They told me that the check was cashed and that I would have to send another money order for {$15.00} in order to get a copy of the alleged cashed XXXX took over XXXX months to receive.It was just a copy of the check and no signature on the back indicating that the check was indeed cashed.Ive been getting the run around since XXXX XXXX will not provide me where the check was cashed are anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian XXXX XXXX DO NOT care about deleting old addresses that show up in my credit profile from 2 to 23 years ago. I currently live in my retirement home at XXXX XXXX XXXX XXXX XXXX, COLORADO XXXX. The old addresses DO NOT have anything to do with me. 
My previous address for the last year and half is what is on my driver 's license. All other addresses DOES NOT pertain to me but they will NOT listen to delete them. 
Hope this will be taken care of seriously. 
Thank You. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. 

As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. 

Thank you for your immediate attention. 


Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with Transworld Systems @ XXXX stating that my student loan from XXXX XXXX XXXX, XXXX is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that XXXX XXXX, XXXX XXXX is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get XXXX XXXX XXXX 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for XXXX 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted XXXX to see what was going on with my account, XXXX informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if XXXX had a contact number on XXXX they provided me with Transworld System 's contact which is XXXX. I have research and XXXX and found nothing. At this point, I 'm not sure who is XXXX and why is Transword Systems trying to collect {$11000.00} from me. Transworld System XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my Student Loan account. I never received anything from XXXX stating ownership of my student loan. Also, XXXX has not provided me anything in writing stating that they transfer the account to Transworld Systems. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with XXXX in the past or Transworld Systems. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with Bank XXXX and payments were submitted XXXX XXXX XXXX. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a great stress in my life. Thank you
Product: Checking or savings account

The school that I used to attend, published a part time job opportunity from home. At first I was notified this was for orphanage and that I would have to purchase items and have them shipped out with the funds I was given. The person that contacted me went with the name of XXXX. After some investigation myself, the number they were using was a different person. They gave me a check of XXXX as well as a mobile check of XXXX to do the tasks as well as money to pay for the job. As soon as I started communicating with the person, they quickly changed the task into sending money instead which was through Bitcoin. I wasn't comfortable with using Bitcoin. They then wanted me to try to send money to people via XXXX which was not working. At that point I started to question myself that is some sort of fraud/scam and that they are committing fraud. They then, decided to do gift cards instead. I was told to purchase a variety of XXXX Gift cards, XXXX, and XXXX ones. I have purchased on XX/XX/XXXX the XXXX in XXXX gift cards that they required ( XXXX x XXXX ), the XXXX XXXX gift card and the last purchase the XXXX XXXX gift card, and one XXXX and one XXXX XXXX gift card. Each XXXX gift card also had a XXXX activation fee which the person agreed to cover the amount out of their pocket. At this point, they started to make me respond to them in an asap timing despite of personal things I had going on. I have sent them the gift card pictures and the receipts as proof of purchase for them. The total amount of gift cards that I have purchased using the funds I received was XXXX. Once I have completed this task, they quickly on XX/XX/XXXX reversed the checks which got returned back to them. This resulted in my own personal money being used for this fraud and scam. Not only did they scam me over XXXX they also did not pay me the XXXX a week as my salary that they claimed in my email. This resulted in my account being negative, as they reversed the checks that I was supposed to buy the gift cards which I did, yet they refused to give me my money back for the amount that I purchased in gift cards. They also kept telling me how this task was urgent and needed to be done asap. After they have done this action, I called my bank Wells Fargo to submit a claim that I was given funds to purchase gift cards, which I did but the person reversed and returned the checks. I did call the bank to submit a claim the same day XX/XX/XXXX this happened and they blocked and froze the checks as fictious. They then took a few days to process. After calling them on the 4th day they declined and closed my claim and told me it was my fault and that I should be careful despite I was being lied and lured into fraudulent purchases and scam. I told them that I wasn't aware this was a scam/fraud as it was approved by the school and was claimed for orphanage. They did not even contact me as they were supposed to. The person is now unreachable and I am not able to receive my personal money back that I had to spend out of my pocket. In the end, the person return and reversed the checks back to them, and stole my money with the gift card purchases.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX was investigated by XXXX XXXX XXXXXXXX? XXXX -- XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of over {$200000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!