23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been making payments to Navient for their Sallie Mae Smart Option student loan. My loan now totals $XXXX+. I've made payments of $XXXX+ since 2014 and my total has not gone down. I recently found out that my school that I attended, nor did I graduate, closed down. I had no help or notice from the school's closure. Stricken with this loan, I have no idea how I'm going to pay this off. I've spoken with them to discharge the loan, but they refused saying I'm ineligible. I currently have no degree nor do I have the option to go back to school because my credit score is completely broken due to this loan. I asked if there were ways to lower the interest or the principal amount; they gave me no solutions. The school also has not responded to me since they closed, and I am unable to receive any aid. I work and make just enough to cover my rent and loan. I am stuck in a cycle of torment and have no options available.
Product: Vehicle loan or lease

Honda Financial services is who I have my loan with and back in XXXX when I lost my employment and housing and all income i communicated with them continously through email because I did not have a phone for months. They continue to charge late fees, interest, and never offered me assistance because I was told they could not offer help thru email only on the phone or thru your account but my online account was already disabled by them so I couldn't apply. They said I had to pay two months in order to get them to extend the other months past due to the end of my loan. I had no job and could not do so. Now my loan has been charged off and I've been trying to pay the past due balance but they now want the full loan amount like to buy my car from the company who paid the loan off. Its {$29000.00} they haven't returned my emails or calls. Starting from XXXX I've contacted them thru email and through XXXX and have all the correspondences. I've explained I did not have a phone because I was unable to afford one at the time. Told them I'd be starting a new job and would be able to make payments once I get an income coming in.
Product: Debt collection

I logged into XXXX XXXX to check my credit score and noticed that it has fallen over 41 points and that is because someone has used {$5200.00} from a Sears/CBNA account with a limit of {$6500.00}.

I do not know where this came from, this account is over 26 years old and I do not know how I got the account in the first place.

I strongly believe this is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF ED / XXXX XXXX  Balance : {$1800.00} ; DEPT OF ED XXXX XXXX XXXX  Balance : {$3600.00} ; DEPT OF ED / XXXX XXXX Balance : {$3600.00} ; DEPT OF ED / XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I believe the disputes are being labeled incorrectly, XXXX XXXX  is being reported on my credit report but was one of the accounts that was taken over and used fraudulently, I was the victim of identity theft and multiple accounts were opened and used in my name, the FTC told me to include all accounts in the identity theft report including accounts I had opened but were taken over and stolen from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX I included them both on the police report as well, the XXXX  account was opened by me but when the family member of mine used my information to open accounts in my name they also used it to get into my bank account and XXXX  account and used my credit card fraudulently, that account has been reporting information that was due to the same person who used my identity to open accounts in my name. The charges on the XXXX card are fraud and were not made by me and the reporting information needs to be fixed. The last time I personally had access to the card and used it was XX/XX/year>, XXXX has been notified of this but has been XXXX assistance.
Product: Credit reporting or other personal consumer reports

This is not a claim or attempt to claim identity theft. This is a complaint and demand for, It has become apparent, that no human being, or no one properly trained, is handling the disputes at TransUnion. Continuously Ive disputed and now complained of this companies gross misconduct and ineptitude at reporting accurate and true statements of credit. Ive disputed both the validity as well as the inaccuracy of the company XXXX. To each time be resubmitted with erroneous infringing updated and verified statuses. We, under FCRA and FDCPA, statements of PLACED FOR COLLECTIONS, IN COLLECTIONS, that has been marked as both an open account and closed, charged off with a past due balance attached; are all clear violations of the above acts, as well as an infringement on my personal and business XXXX. I never entered into contract with this company and any proof of alleged indebtedness or furnishing of correspondence to further said collection or past due amount. Which placing statements of collection with a past due amount ON an account marked as closed goes against FCRA and FDCPA statues as well as FTC regulates. For these above statements I demand full remedy for the injuries this malicious negligence and lack of due diligence this company as exuded thus far.
Product: Credit reporting or other personal consumer reports

Car loan attempted in my name XXXX services attempted under my social Information compromised
Product: Mortgage

On or about XXXX I spoke to a Citizens Bank Customer representative to make a total payment of {$4700.00} to my mortgage, during which time I specified that among the payment {$730.00} shall be applied to my regular payment and {$4000.00} shall be applied toward my principal. A total payment of {$4700.00} was withdrawn ( as one entry ) from my Citizens Checking Account on or about XX/XX/. 

On or about XXXX however, per Citizens Mortgage, the {$730.00} regular payment was processed and {$4000.00} principal payment was " reversed, '' while I had sufficient funds in my checking account. 

As of today, XXXX, 2 weeks after the return, the {$4000.00} funds were still not returned to my checking account, nor was it applied back to my mortgage payment. I tried to follow up with Citizens mortgage multiple times, and until XXXX  I got a most recent update where I was advised that the funds were returned to me, however, the representative was not able to or failed to disclose, where, how and when was the funds returned to me. I requested transaction ID/tracking/confirmation information for their alleged return of funds, however, none was provided to me. They were also reluctant to disclose what is the processing time for the funds to be returned to a checking account with the same bank ( Citizens Bank ). 

At this point, I am concerned that Citizens Bank has mistakenly forfeited my {$4000.00} and refused to return same to me, while they were not able to provide any reason for said return/reverse either. 

I reserve my right to file a legal action against Citizens Bank if this issue is not resolved immediately.
Product: Debt collection

Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Vehicle loan or lease

The account was charge off on my credit report and still remains there ask XXXXNITED AUTO CREDIT to send a 1099 but they declined. According to the law 15 U.S.C 1681 ( e ) b This is not prohibited After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. Contact the creditor if you receive a 1099-C reflecting incorrect information. If a creditor continues to attempt to collect the debt after you receive a 1099-C, the debt may not have been canceled and you may not have income from a canceled debt. Verify your specific situation with the creditor. Your responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Product: Student loan

I was with XXXX  with XXXX loans until XXXX when I consolidated to take advantage of XXXX. My XXXX  forms were submitted in XXXX, XXXX, and XXXX of XXXX. I was told by Mohela I was slated for forgiveness in XXXX of XXXX because I had enough payment counts based on their looking at my ecfs. 

Long story short, they have not included the years XXXX through XXXX because they say the nslds is not updated. They say they have to wait for XXXX to update the database. The XXXX and the nslds both say that Mohela is the one to update the database. The Mohela site itself says Mohela reports to the nslds. The student.gov site says the nslds is updated by servicers and universities, not the XXXX. Mohela would certainly fall under the servicer category. 

So I am at an impasse. My account should be well over XXXX however they only show XXXX because we are missing those 5 years. XXXX of the supervisors at Mohela said she could see on another database, the cdel (? ), that I began repayment early XXXX. However, they will not update the nslds for an unknown reason that they can't even explain to me other than they are waiting for XXXX. 

I am now about to be billed {$500.00} a month for the next XXXX years until my counts are over XXXX. They have had the paperwork for almost 2 years now ; that should be long enough for the processing they have told me for a year and a half that needs to happen Since this has been nearly 2 years of communications with them, I'm not going to give you a laundry list of dates at this point. I will say that I do have copies of my ecfs, and I also have my printouts from navient showing my payments going back to XXXX. I have also requested formal payment records from navient which should be coming in a couple weeks. 

I have made several complaints to XXXX, to mohela, to the XXXX XXXX XXXX, and to my state representative. Complaint case numbers can be provided as you need.
Product: Debt collection

I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX license to collect a debt in FLORIDA, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX  to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! 


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

I'm extremely disappointed and confused to see unauthorized inquiries on my credit report this evening. I check my report regularly, and this time there are unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. Please thoroughly review the documents I've submitted so I can finally stop worrying about this issue.
Product: Mortgage

the company said they are offering a covid relief program which I requested assistance and they are saying a balloon payment is owed in XXXX I called the company and I was told that if I can't make this payment they will be talking taking litigation steps how are people who have lost their job able to keep their homes
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

XXXX and XXXX debt collection agency repeatedly calls me asking for more in monthly payments. I have repeatedly told them that I can not afford more than I already agreed upon. 

They recently called my work number when they know my cell number. My voice mails are monitored and this is unacceptable. 

I have been dealing with XXXX and if I had more money, I would certainly pay more ; however, my income does not support any more than I did agree upon and signed the agreement. 

Once an agreement is made with a collection agency, they are dishonoring their own agreement and I definitely feel they are harassing me now, as this has been a monthly call. 

I no longer will accept any calls from this collection agency. Their practices of harassment is causing me undue XXXX XXXX and XXXX  while I am dealing with XXXX.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX  Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was trying to get a pre approval to buy a new home, I discovered that loancare ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Debt or credit management

Im not sure, but the amount is Is for {$310.00} The date is from 2017 I also asked For the purchase Agreement And theyre just keep sending this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Equifax report MY ACCOUNT WITH EQUIFAX IS IMPACTED. I AM REQUESTING UNDER THE UNDER THE FCRA ACT TO PLEASE IMMDIATELY REMOVED THESE ITEMS There are UNAUTHORIZED and REDUNDANT inquires in my credit report, impacting my credit negatively. 
I have not authorized these inquires and they must be immediately removed from my account. 

I am also attaching the pdf version for ease : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/year> and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/year> and XX/XX/year> ) the information remains incorrect in my reports. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. Thank you for your understanding and prompt action.