23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I got my loans from an institution called the Vermont  Student  Assistance Coorporation. First of all, they never specified to me before my freshman year of college which of their loans was private and which one was federally funded, as they offer both -- I applied for the private loans without even knowing that it was. I also believed -- because one of their loan officers told me -- that I would n't have to start paying my loans until 6 months after I graduated. I graduated 1 year ago, and I received my first bill before I even graduated. They had stacked all my payments so that my monthly bill was almost {$2000.00}, and they wanted the first payment the day of my graduation. Now, 1 year later, I 've been trying to get VSAC to lower my payments or separate them back into individual loans to pay them in a way that is more practical for me. I 've had to defer these loans almost every month of this last year. I have been told my multiple loan officers at VSAC that my stacked loans can not be separated, and I have no other option then to make the full payment every month -- they tell me that is the only thing I can do. Having only gotten a full time job for the first time after graduating 1 month ago, there is no way I can pay close to {$2000.00} a month -- I do n't know how they can expect anyone to make a payment like that. I am reporting this not only because it is making my life very difficult, but I ca n't be the only person who has their student loans through VSAC who is going through this. I would like this investigated, not only for myself, but also for others who  may  be going through the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record from the US Bankruptcy Court is being reported against my credit bureau and it is not mine. It belongs to my ex wife XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid. 
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times. 
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all. 
I have Disputed these below several Times which again I get the Has been verified and updated with no proof. 
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof. 
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX
Product: Debt collection

A company named XXXX is calling on behalf of XXXX. 

Theyre asking me to verify private information before they will tell me why they are calling. 

I have not given any private information and they wont give me a reason that they are calling. 


I called XXXX who I do currently do business with and all of my bills are paid and no outstanding items were ever sent to any collections agency. They also said that they do not do business with any company called XXXX. 

So this is an attempt to collect a debt that is fraudulent and theyre trying to steal my personal information. 

The phone number that they are calling from is : XXXX
Product: Debt collection

Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX XXXX EXPERIAN THEY ARE REPORTING A LATE PAYMENT WITH XXXX XXXX in which the creditor made a mistake of reporting a late payment in which I have supported documentation from the creditor however Experian & XXXX DID NOT UPDATE TO REMOVE THE LATE PAYMENT I FILED A DISPUTE numerous of times via certified mail and Ive also filed a complaint against XXXX XXXX EXPERIAN for failing to protect my consumer rights According to section 605 b of the fair credit report act I have also filed a legal suit against XXXX XXXX EXPERIAN for emotional distress they have caused so much damage to my personal credit report also report late payments XXXX XXXX reporting inaccurate information XXXX REPORTING A INACCURATE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX is not my address My current address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Im seeking {$89000.00} in damages FROM XXXX along with the removal of all hard inquiries and fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And all hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX  XXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Product: Credit reporting or other personal consumer reports

I logged into Experian and wanted to lock my credit and their website tells me that I have to pay and upgrade to lock my credit report. Isn't it a Federal Law that credit reporting agencies have to lock your credit for free? 
When is anyone going to do something about the crooked credit reporting agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the same account on my report twice. I asked for it to be updated, however it was not removed. XXXX XXXX XXXX in the amount of {$0.00} is reporting on my credit file but is also on my credit file for {$600.00} with XXXX XXXX. They are reporting it on my credit report as two negatives when it has been sold. There is no contract with them so it needs to be removed. A negative item should not be duplicated on my report.
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " | 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 ''.

Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please Delete these items as soon as Immediately I noticed this problem in XX/XX/scrub> 2025 2025
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017 I received an alert on my credit report that a collection account had been added to my credit reports. I logged into my account to see what the account was. I noticed that Allied Collection Services had placed a collection on my credit reports. I sent a certified letter to Allied Collection Services on XX/XX/2017 for which they signed for on XX/XX/2017. 

In the letter, I requested that Allied send me validation of debt with proof bearing my signature not " verification of debt, '' anyone can look at a computer screen and see a name and say a debt is verified. I would like a copy of my written signature. I received a letter from Allied Collection Services on XX/XX/2017 providing me documents stating that they verified the debt to be mine, however nowhere on the document has my signature. On the document there is an address that I do not recognize as well as I could not locate my bank information. I have banked with XXXX for many years and this has been my sole bank because of my military affiliation. 

In addition, I should not have been made aware of this debt via my credit report. It is the responsibility of the Collection Agency per the FCRA to contact me in writing 30 days prior to placing this account on my credit report and give me a chance to validate or dispute the debt. I was not given this chance and in turn this debt has hurt my credit score, as I have no collection accounts on my credit report. This account being added dropped my score over 40 points. I am very upset by this and would like this rectified immediately. 

I will be seeking damages as outlined in my letter to Allied Collection Services on XX/XX/2017 if this is not fixed immediately.
Product: Prepaid card

I have an AMEX gift card that still carries the full balance of {$150.00}, but gets declined at every retailer I attempt to use it at.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect. I owe NO amount to IQ Data
Product: Credit card or prepaid card

I never took out any cash advances and on the front of my page it showed XXXX cash advances but on the pages after it showed cash advances, and when I called about it, they tried to say that my payments only go towards my credit card purchases, and its not divvied up for cash advances which is a lie. I kept pointing them out over and over and over again I never pulled out any cash advances the same woman in the same few people in XXXX XXXX and a XXXX lady, my calls were always redirected to. I want criminal charges. I want punitive damages and I want my card wiped clean. For the inconvenience this put me in financial debt right before Covid and during Covid. Theyve been pulling out cash advances since I opened the card. The only thing I did was write XXXX check only XXXX. And my payments shouldve gone towards that. They refused to refund me my money back. Try to give me a deal and make me pay off the usage from other people and its the police, the FBI and the DOJ because they all use second life video game and thats how they steal, peoples credit card information, etc. the shouting technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXBalance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing Carrington 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to Carrington and credit reports showing the above facts. Carrington 's actions are clearly a willful violation of Federal Law. 

While the reality was that Carrington was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, Carringiton would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the CMS Loan Administration Support Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the Loan Administration Support Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 )  on XX/XX/2020 from XXXX  ( 2 ) on XX/XX/2020 from XXXX  ( 3 ) on XX/XX/2020 from XXXX  ( 4 ) on XX/XX/2020 from XXXX ( 5 ) on XX/XX/2020 from XXXX  ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from XXXX  ( 8 ) on XX/XX/2020 from XXXX  and ( 9 ) on XX/XX/2020 from XXXX.. 


Carrington Mortgage attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.
Product: Student loan

I have been contacting Navient since XXXX trying to acquire information on loans from XXXX, not the consolidated information that they have sent several times. My issue is with the information provided on the Federal Student Aid website does not match. When contacting the Student Aid website I was given a different response regarding the canceled loans than what Navient stated. Attached is a copy of that email and the canceled loan information. Most of the canceled loans had been applied correctly my issues are only with a few of them. I am not sure why I can not get this information, unless it no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a request form into Annual Credit Report Request Service for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to XXXX Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2022. I noticed some activities on my credit report that werent mine. So I contacted XXXX Equifax, XXXX XXXX and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account for {$6900.00} does not belong to me
Product: Mortgage

Freedom Mortgage is not following the CARES ACT that was signed into law by President Trump. As of XX/XX/XXXX, They are still asking for documentation in order to validate the claim of Hardship due to Covid-19 such as Financial Reports and Bank Statements. They are also not willing to implement the COVID-19 National Emergency Partial Claim, an option to be used by servicers when the COVID-19 forbearance period ends and telling borrowers they will have to pay all 6 months of mortgages after the forbearance period ends.
Product: Debt collection

I HAD PREDATORY LOAN WITH SANTANDER CONSUMER USA. THERE WAS A CLASS ACTION LAWSUIT AGAINST THEM AND I WAS APART OF THE LAWSUIT. I AGREED TO A VOLUNTARY REPOSSESSION DURING COVID AND IT WAS AGREED THAT THE BALANCE WOULD NOT BE REPORTED TO CREDIT FOR COLLECTIONS. THEY ARE REPORTING THIS DEBT ON MY CREDIT. I PAID ALMOST {$30000.00} IN PAYMENTS FOR 6 YEARS AND THE BALANCE IS THEIR ILLEGAL INTEREST. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX {$26000.00} ORIGINAL LOAN {$28000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been debiting my acct for a purchase that was made through XXXX XXXX The purchase was never received due to merchant not able to provide goods. The sunbit company has been charging my acct let alone reporting on my credit report and at this point I have no acct with them. They have refused to remove from my credit report as well as give me my money back for something I never did receive. Which I have proof it was cancelled from the original company who has also reached out to sunbit numerous times. 

I was charged. {$110.00} on XX/XX/21 And {$56.00} on XX/XX/21