23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2020, I am normally paying the reduced payment plan reduction with Navient due to my inability to pay the full amount. My monthly payments keep increasing despite my objection. I am not able to make the full payments as I have a special needs son who requires expensive medical treatments. I have attempted to work their rate reduction department with no success. I am not able to make the payments they want me to make. I last spoke with their manager XXXX XXXX and she stated they are not able to assist in making he payments affordable me and showed no compassion after advising of my son expensive medical treatments. My son is diagnosed with XXXX XXXX  non verbal and his therapy ranges in the cost of XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 I attempted to remove a security freeze from *MY* experian credit report. This needs to happen because according to a credit union Im being denied bank accounts due to the freeze unless the freeze is removed in a few days. 
I called several time and was unable to reach an agent. The only option the robot offered was to send my personal information ( Copies of IDs and bank statements ) through the mail. That costs me money, time, and is slow and is extremely un-secure. They have a self service portal which wouldnt upload my copies and a freeze removal option which also doesnt work. And the phone number listed to get to an agent which is different from the main number just takes you back to the main robot. 
This is my personal information on my personal credit report. It should not be this hard to manage my personal information. Again if it was just a XXXX question fine but as I said earlier this is going to deny me a banking product and that seems really messed up.
Product: Debt collection

Operator XXXX for XXXX bank admitted to using an unknown number because You never answered our calls but you did answer an unknown. XXXX bank has called numerous times in a day including while I am at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; 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 demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.
Product: Debt collection

This debt was originally with XXXX XXXX XXXX in the amount owed of {$920.00}, however this debt was turned in with a debt consolidation company of XXXX XXXX XXXX in the year of 2017. XXXX XXXX does know this because the consolidation company has already maintained a settlement in place. Even though a settlement has been reached, XXXX XXXX sold the debt to Cach , LLC, who tried to collect the debt but it was too old so now Cach , LLC has sold the debt to another collection agency by the name of Resurgent Capital Services, L.P.. This Resurgent Capital Services company has sent me correspondence asking me to pay this debt, however I have mailed them a letter letting them know that this has been originally turned over to a debt consolidation company. 
It should be against the law for credit agencies to purchase old debts from other collection agencies, and so forth. Once the original debt has reached the statue of limitations, the original credit card companies should be held accountable and fined for selling the debts continuously to other parties, 2nd and 3rd parties sometimes 4 parties. Please help with this creditor.
Product: Credit reporting

I cosigned a Apt . From XXXX of XXXX Az. Tenants did reside at property for 30 days, as the Air Conditioning Unit required replacement after several visits to have handy man rig it, and water pouring from ceiling into hall way, laundry room, flood Apt out.XXXX finally realized unit was beyond repair, eventually they had no choice was replaced. With over {$1100.00} deposit heat was unbearable lease was broken, I assumed we were even as they kept my deposit, and then placed a Judgement in the amount of {$500.00}. 
When I applied for a Condo and credit pulled that 's when I when I became aware of this judgement against me from XXXX. I immediately contacted them and visited their office to rectify this debt, the Manager suggested he would accept payment in the amount of {$370.00}, I retrieved money 's the nearest ATM and cash was given {$370.00} and I was given a letter that the debt was satisfied and XXXX credit company 's would be notified and info removed, to no avail. I 've contacted ( XXXX ) several times spoke w/ Manager said he 'd look into it and call me back to no avail.He stated he did n't place this on my credit and the Manager that I dealt with had been killed in an accident and is no longer w/ us. 
I contacted ( XXXX ) XXXX/XXXX/2016 spoke w/ manager stated there 's nothing he can do, and did n't place it on my credit he ten hung up on me, and would n't answer my phone calls after I made several attempts to call back. I also a letter to Their Corporate Office ( see attached ). 
I 've never received any Court paperwork concerning this matter and theirs a court case # When I called Circuit Court there 's no court documentation available about this matter. 
I feel as though I 'm being made to pay twice for this debt.
Product: Credit reporting or other personal consumer reports

Dispute inaccurate items on my credit report
Product: Debt collection

In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

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

This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good morning to your good office. First and foremost, I would like to emphasize that this is not a duplicate problem. It's actually a recurring problem. This is the second time that PayPal has permanently limited my account for no valid reason at all. I badly need help. Please help! Please help! What they did to me the second time around is really unfair and baseless. I repeat please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account XXXX/XXXX is reporting fraudulent charges.
XXXX XXXX is a fraudulent account.
XXXX XXXX  is a fraudulent account.
Product: Debt collection

I had never paid attention to my credit report since I am living overseas. A couple of years ago, I received a collection letter to and old address used in the US and filled and issue with the FBI on a possible Identity Fraud Alert case number XXXX. I have recently notices I have two negative reports on these accounts XXXX  XXXX ACCT # XXXX BarclaysBK ACCT # XXXX Neither of these two accouts was opened or authorized to open by me. I suspect someone who worked for my sonsa and had access to the mail coud heve impersonated me and use my name to obtain these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on my credit report :XX/XX/XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XXXX XXXX, 2020 XXXX - XXXX, XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, XXXX and XXXX never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$25000.00}
Product: Money transfer, virtual currency, or money service

My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of XXXX XXXX XXXX Correction Of Billing Errors. Thank You
Product: Mortgage

In XXXX of 2019, XXXX, XXXX sold and transferred our mortgage to another mortgage company, now called Mr. Cooper, formerly XXXX, XXXX. 

There were no late payments on our mortgage with XXXX XXXX XXXX  . 

The transfer took place during the month of XXXX, 2019. And as soon as we received notification from Mr. Cooper, we remitted our mortgage payment for XXXX - this was on or around XX/XX/2019. 

There are currently no late payments to Mr. Cooper, formerly NationStar. 

The Seterus mortgage loan was marked as CLOSED, rather than SOLD/TRANSFERRED to the credit reporting agencies, and as a result, my personal XXXXredit score plummeted 40-45 points. 

To the date of this complaint, XX/XX/2019, the loan is still marked as CLOSED, and both my and my wife 's credit scores have been severely impacted. 

We have been in discussion with Mr. Cooper to get this situation rectified, but they are relaying confusing and often contradictory information regarding the way this loan is being reported and is going to be reflected on our credit reports and with the credit reporting agencies. 

While the company Seterus is now " closed '' and is defunct, a representative at Mr. Cooper is telling us this is why our mortgage is being reported as CLOSED. 

This is factually incorrect, as our mortgage was sold and TRANSFERRED to Mr. Cooper, formerly NationStar. 

Also, we have recently found out the XXXX XXXX XXXX actually XXXX XXXX XXXX XXXX from XXXX - so there is no reason on earth why our mortgage should ever have been reported as CLOSED, which again, has affected our credit scores.
Product: Debt collection

I was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.
Product: Vehicle loan or lease

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

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

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

15 USC 1605 : Determination of finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable accounts 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, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, XXXX and Transunion remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit. 

I received results from dispute from TransUnion, dated XX/XX/XXXX. The bureau did not address the inquiries on my credit file, or personal data. Yet again TransUnion reported the public record has been verified. The bureau has not provided the method of verification. I have attached information from the Bankruptcy Court and XXXX confirming the information did not come from these sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once