23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since XXXX til XXXX graduating I have never been made a payment because I couldn't afford to and they would always put my loan in a forbearance or a deferment. As well as since I graduated in XXXX. I am within 9 years of retiring and will not receive much due to choices I had to make to care for my family. During all this time I filed for bankruptcy twice and was always told that I couldn't include my student loans. I even received student loans in XXXX I was not entitled to per XXXX but yet they still gave me the funds to attend school. I now owe over XXXX. Only XXXX and something in interest. Although I consolidated my loans many times in order to just have one psyment. I have no idea how I'm going to afford this. I have XXXX every two weeks for medication food and gas and it is not always enough especially when a new medication is added for treatment.
Product: Credit reporting or other personal consumer reports

I am writing Experian to dispute the presence of inaccurate address information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX. Please note that the following addresses listed on my credit report are incorrect, unmailable, and undeliverable, and I demand their immediate removal : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) I assert that these addresses do not pertain to me and their inclusion in my credit report is an error. I believe this error XXXX have been a malicious act by an employee named XXXX in the fraud department, following a discussion we had on XX/XX/year>, at approximately XXXX AM. 

As proof of my current residence, I have enclosed copies of my utility bill and state-issued driver 's license, which clearly indicate my actual address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 


Thank you for your immediate attention to this matter. I look forward to your prompt response. 

XXXX XXXX Enclosures : Utility Bill, XXXX Driver 's License
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was contacted by my loan servicer in XX/XX/XXXX from BBT, now Truist, who asked me if I wanted to get a forbearance for my mortgage because of Covid. After they contacted me several times I decided in XX/XX/XXXX to get a forbearance. I asked each representative how would it affect my mortgage. They stated that it would not affect my mortgage, that the payments in forbearance would just be added to the end of the note. When my forbearance was up, I received documents and calls from Truist that I needed to do a modification on my loan. I told them that I was not told that when I did the forbearance. They put me on a temporary payment plan starting in XX/XX/XXXX which I paid every month as required. 

I received the modification documents from them on XX/XX/XXXX requesting that they be returned on XX/XX/XXXX. I called Truist and told them that I did not receive the documents until XX/XX/XXXX and that I would not be able to get them back to them by XX/XX/XXXX because they had to be notarized and mailed. The representative confirmed that it was acceptable to get them back to Truist by the end of the month. 

Today I received a call from a representative from Truist asking about the modification documents. At first she said they did not receive the modification documents. I located my receipt from XXXX and tracked the package. It was delivered and received at the XXXX, VA office on XX/XX/XXXX, just as I had promised and they had approved. After giving the representative the tracking information, she changed her statement and said the documents were not received in a timely manner. I told her I got them on XX/XX/XXXX, and because they needed to be notarized, it was not possible to get them back to them by XX/XX/XXXX. I also told her that I called in and made the payment on the telephone to ensure that it got there on time. The representative said my mortgage documents were not there ; therefore, my loan was in default. 

I feel that Truist is trying to steal my home because I am a XXXX XXXX XXXX XXXXXXXX woman. They did not give me ample time to get modification documents notarized and returned to them. 

Truist is also trying to defraud me. 
1 ) They did not tell me that I would go through a modification when they asked me to do a forbearance.

2 ) They did not advise me of the exorbitant escrow fees and interest fees that I would incur at the end of the forbearance.

3 ) I made every payment since the forbearance ended as required.

4 ) They only gave me one business day to return notarized documents to them.

5 ) The representative lied at first and said they did not receive modification documents 6 ) Truist received my documents and my payment before the end of the month as they agreed to.

XXXX 
a. Tracking receipt from XXXX b. Payment confirmation # for XX/XX/XXXX XXXX c. Modification documents
Product: Credit reporting 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 ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with Bank of America. I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.
Product: Credit card

I tried to use my credit card for XXXX purchases. All XXXX were immediately declined. I reached out to the credit card company XXXX times. Both times. They said that I was using the card incorrectly and then I had to manually enter the information. So the last time I manually entered the information and it still declined the card. They said that there's nothing wrong with the card and there's nothing they can do at this time.
Product: Credit reporting or other personal consumer reports

I got this used vehicle from a used car dealer and the car had flooding damage I voluntarily surrendered the vehicle and now the company has been coming after me in court and trying to garnish my paycheck for vehicle that was a lemon from the beginning that they sold me I gave the car back they made XXXX off the car they made {$20000.00} off the car now theyre trying to sue me for {$20000.00} also and the interest rate was high things were wrong, and I got ripped off
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number ( # XXXX ). I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from LVNV Funding account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between LVNV Funding and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had LVNV Funding sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that LVNV Funding provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove incorrect address on credit report
Product: Student loan

I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these creditors individually over and over XXXX Child support, XXXX XXXX, and XXXX

and none of them have responded nor have they removed or verified these fraudulent accounts on my credit reports The 15 U.S. Code 1681c2 - states that you need to Block of information resulting from identity theft. You have violated and failed to do so.
Product: Debt collection

I received a collection letter from Midland Credit Management on XX/XX/XXXX stating that an account was in collections in my name from XXXX XXXX for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before XXXX sold it to Midland Credit for non-payment. I was told that I had to state my case solely with Midland Credit. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. XXXXXXXX XXXX placed a delinquent account on my credit report and say they can't remove it because they sold the account to Midland Credit. Midland says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from Midland Credit Management stating that this isn't my responsibility. I want this fraudulent information off of my credit report.
Product: Bank account or service

On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a call to Wells Fargo Dealer services regarding my principal balance being reported incorrectly and was given the run around about the balance showing on my credit reports. Agent was unwilling to provide a timely solution to the problem. Wells Fargo has continuously reported inaccurate information on my report
Product: Payday loan, title loan, or personal loan

THE COMPANY XXXX XXXX  IS REPORTING ON MY CREDIT REPORT AND IT SHOULD NOT BE IN WAS INCLUDED IN BANKRUPTCY, THIS SHOULD NOT BE REFLECTING NEGATIVE INFORMATION ON MY CREDIT REPORT. IT SHOULD NOT BE ON THERE AT ALL, IT IS AFFECTING MY CREDIT REPORT
Product: Credit card or prepaid card

I was really young, I believe just turned XXXX. My Dad took me to get a credit card with a {$500.00} limit, he ended up using it and defaulting on it without me knowing. I was in another state when my parents split. I am now XXXX and ready to start properly using credit cards, I even took a course on using them properly. I was told to come to this website to get that account wiped off my credit report. I really want to start with a clean slate so that I can truly build my future and relationships with the banks. I have since then built a multiple six figure business that is pushing out XXXX in expenses a month. I can be earning points with this but I am not because of my Dad 's ill minded mistake 5 years ago. Just now found out. 

XXXX XXXX, XXXX ( 4 yrs, 7 mos ) Was when the card was opened and {$800.00} was used until XX/XX/XXXX and this was with Wells Fargo. 

Please help me remove this so I can start fresh. Thanks!
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 XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Student loan

Navient is harassing me by calling me multiple times a week as well as calling family members ( grandparents, parents, and siblings ). I communicated with them over the phone and yet they continue to leave messages with various family members after I have spoken with them. They have left personal information on the voicemails of family members and have threatened to take action. They have not been easy to communicate with, they have been extremely rude, and I am struggling to reach an agreement with them. I am sending them payments monthly but they are refusing to work with me and continue to threaten legal action. I have never dealt with a more difficult company.
Product: Checking or savings account

I opened a new case involving a improper auto pay that I never authorized. I was charged {$75.00} from XXXX XXXX. The BOA associate told me id have a temporary credit of {$52.00} put in my account in 2 business days. 8 days have passed by and no credit to my account. After numerous calls I did get an associate. He said there was nothing he could do and gave me another phone number to call. Those people planly stated I'd have to wait and after their findings I would be notified. I explained that I was to receive a temporary credit in 2 business days. The associate told me again I would get my credit when they make a decision. ONCE AGAIN BOA HAS SHOWN THEY JUST DONT CARE ABOUT US POOR FOLKS I have requested that I receive my money back into my account immediately. Again I was told the same thing again. When they determine an outcome I'd be notified. I simply want my money...
Product: Credit reporting or other personal consumer reports

I went to purchase a new vehicle for me and my family when they pulled my credit I was denied so I ask what was stopping me from obtaining a vehicle for me and my family he told me ( XXXX XXXXXXXX XXXX XXXX # XXXX open XX/XX/year> ) this account was paid off its reflecting as a negative account please deleting from my report its affecting me from obtaining a new vehicle