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

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f 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 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 I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

This account first showed as a collections account on my credit report.I never had any relationship and/or correspondence with this company prior to it showing up on my credit report and I have yet to receive anything from them. I disputed the account and now it is showing as " closed '' on my credit report. I have no contract with this company and I am requesting that it be removed from my credit report.
Product: Checking or savings account

I was robbed of XXXX $ I was called telling me my XXXX had been hacked and I owed {$300.00} so I gave the Zelle man my account info and he robbed me of {$300.00} no XXXX called me after I reported it and said they did not call me. I do not remember the guys name or phone number and my account is locked. Then I received a call from Zelle saying they were going to return my money if I have them my new account info. He said I needed to send money to XXXX at XXXX and I did and he took out {$290.00} I am out {$600.00} and my band said I will not return a refund from Zelle. I am broke now and cant pay my rent. I cant believe my bank wont help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX  XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all XXXX of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Product: Debt collection

They have put negative remarks on my credit report and still charging interest on a debt that should have been removed due to the statue of limitations in wyoming from XXXX rocky mountain recovery XXXX has tried to take me to court several times for this even though I have sent multiple documents and letters trying to get them to remove this off my credit report since XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$470.00}
Product: Student loan

I recently contacted Navient and requested information about how the principle and interest are being applied. After receiving and reviewing payment information ( for the last 24 months ) it appears the principle and interest applied over the last couple of years is bogus? In some months no principle was applied and just interest paid to them? In other months an average of {$30.00} was applied in principle. Navient still alleges the loan is still a 20 year loan? How can this be? This is truly unacceptable, as principle should always be applied with every payment? Also they are alleging that the federal government is setting these rules on the way payments should be set up. In addition their payment plans have become outrageous! They are now telling me my payments will increase {$700.00} in the next year or so, when I was originally told ( by another customer service rep two years ago ) my payments were already set at {$430.00} for the life of the loan? CFPB please help!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my Transunion account that does not belong to me. Here are the details... 

XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX  I called Transunion multiple times and also sent them a letter informing them that I did not do this inquiry. Please remove this from my credit report immediately as it is causing me problems trying to access funding. Thank you for you assistance with this.
Product: Student loan

Approximately XXXX  months ago I requested XXXX  to stop contacting me, as I am unable at that present time to make a payment, I will call them when I have the financial means. The calls never stopped to me, and they started to call extended family, my parents, siblings, and my wifes family, among others Im sure theyve contacted. They told my Aunt, whom my family hasnt spoken to in XXXX  years, they were XXXX trying to collect a debt, looking for me. 

They have sent several letters threatening to escalate the situation and potentially sue me. Giving me deadlines that have kept getting pushed back, so nothing more than empty threats. 

Which brings me to the day of XX/XX/XXXX. I sent an email demanding them to stop contacting me immediately after another threatening email. 

They responded XX/XX/XXXX, stating it may take XXXX  days to get into their system, but they will cease communications. 

Only they havent. Given their XXXX  day request, they have called XXXX  times. The dates they called are ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, please note dates that are XXXX  are XXXX calls on those days. 

This is on top of the hundreds of calls theyve given me since my request over the phone to stop. 

They are harassing me and breaking the law, and Im not sure what else to do.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and removed from my Credit Report.
Product: Student loan

I attended XXXX in XXXX, a 6 month intensive XXXX class that promised job placement as well as lifelong access to continue to attend classes and use the school 's equipment when available. The school closed without notice in XX/XX/XXXX and from what I 've been able to find online, they filed bankruptcy. 
XXXX I have been paying $ XXXX-XXXX a month since I graduated almost 10 years ago and I still owe over $ XXXX. I currently pay my loan to American Education Services who have refused to send me any information surrounding my account, claiming I selected a " paperless option '' for my bill therefore all documentation from them will only be paperless. My original loan was though XXXX XXXX, I do have the original contract if that is helpful at all.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX and XXXX because it shows my mortgage as closed. I made a complaint with XXXX, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX  and XXXX, but XXXX  is the only one that went back to normal ( above XXXX XXXX. Now, Experian shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.
Product: Debt collection

The Debt from that shows up in collections on XXXX  for VALLEY COLLECTION SERV XXXX Original Creditor XXXX XXXX XXXX Balance for {$430.00}. 

XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is not mine. I do not know what this debt is and does not belong to me. I appreciate if you would help remove this off my collections please, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX  and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a XXXX  Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXX XXXX  XXXX  XXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Product: Debt collection

I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18. 

1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.

2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.

CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''. 

I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.
Product: Credit reporting or other personal consumer reports

I DECIDED TO LOOK AT MY CREDIT REPORT AND NOTICED SOME ACCOUNT THAT DO NOT BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Credit reporting or other personal consumer reports

According to 15 USC 16c-2, my credit report includes errors. The hard inquiries listed are unauthorized and are harming my score. Please delete these unauthorized records. Thank you.