23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.
Product: Debt collection

These constant calls are invading my life, I asked them to stop calling me and they will not stop harassing me. It has affected my quality of life, the company in question has not gone through the correct channels to even validate this debt, they have no written statement from me claiming this debt nor can a signed contract be used as a debt validation. This has affected me and my family greatly. I believe this goes against the No Surprises Act, to furnish information to credit bureaus about such invalid debts, the company in question may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.
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 U.S.C. 1681. 

XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A.. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ( 5 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that part of the data was inaccurate. Experian and XXXX must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting items as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the following unverified 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
Product: Debt collection

A collection agency named Critical Resolution Mediation LLC called me many times in XX/XX/XXXX to pay a debt that I owed. It came to the point that if I didnt pay back the debt that same day, they were going to sue me. We came to a settlement agreement for {$1200.00}. I payed this amount on XX/XX/XXXX. Today, XX/XX/XXXX, I found out that it was fraudulent and that I still owe this amount to the real creditor XXXX and XXXX XXXX. I also searched up Critical Resolution Mediation and found out that they were shut down by the FTC and is currently in court with the FTC. I tried disputing with my bank, but they werent able to do so because the transaction was over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CBNA 2. 2nd XXXX XXXX XXXX To whom it may concern I believe these inquiries are due to the XXXX breach and they we 're made without my consent. 
I would like to know what application are you talking about sir. I am unaware of any applications you 're talking about. Did n't sign up for nothing is what I 'm saying to you and you 're basically accusing me of being a part of a Costco account. No I do n't know what Costco is and I do n't appreciate you accusing me. If i 'm not aware of something you ca n't force anything to be mine. That is down right ridiculous and no I did n't sign up for any credit cards. I do n't need to do so I 'm debt free and want to remain that way. So I 'm asking you to stop accusing me. It is a fraudulent inquiry and it is to be removed immediately because it violates the law in FCRA section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. TransUnion still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) calls me on a regular basis. They never leave a message if I let it go through. They hang up if I answer. If I call back, they ask about my PRA account, of which I have no idea as they have left no information about why they are calling, or given me any account information. I want to take legal action against them. I have blocked many of their numbers, but they call from locations all over the U.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY. I have contact the FTC and my local police department.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to XXXX XXXX XXXX ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. XXXX also, all the information required by section XXXX ( b ) of XXXX XXXX. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

Fco is showing as delinquent account on my and my husband 's credit that are not our account but affecting ourcredit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with Equifax and XXXX so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Ac
Product: Debt collection

On XX/XX/2018 a lien against a property was paid in full at closing ; the company holding the lien : Portfolio Recovery Associates, XXXX of XXXX, Va. has not RELEASED or filed a SATISFACTION. Lien is open and still appearing on the property sold. New Owner can not get a mortgage loan to fix the property because of the outstanding lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 XXXX XXXX
Product: Credit card or prepaid card

I had paid something toward the company and they reported it as a late payment when I paid something twice which mean I did not miss a payment at all and it ding my credit score and prefect history of on time payments when I have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

DISPUTE WITH XXXX XXXX XXXX XXXX XXXX XXXX-STATEMENT FOR XX/XX/XXXX/XX/XX/XXXX SHOWED FOUR FRAUDULENT CHARGES AS FOLLOWS XX/XX/18 {$60.00} XX/XX/18 {$490.00} XX/XX/18 {$280.00} XX/XX/18 {$200.00} -- AFTER FILING A COMPLAINT WITH THE BANK THEY CANCELLED MY CREDIT CARD AND ISSUED A NEW CARD WITH NEW NUMBER. THEY ADVISED ME THAT THE VENDORS ON THE XXXX   CHARGES HAD BEEN TAKE CARE OF AND REMOVED FROM MY ACCOUNT. AFTER THEIR INVESTIGATION ON THE XX/XX/XXXX CHARGES I WAS ADVISED THAT THIS DISPUTE HAD BEEN RULED IN MY FAVOR AND HAD BEEN REMOVED FROM MY ACCOUNT.

THINKING THAT THIS WAS THE END OF THE ISSUE UPON RECEIVING MY XX/XX/2018 STATEMENT I NOTICED THAT THE {$280.00} AMOUNT HAD BEEN PUT BACK ON MY ACCOUNT AS A CHARGE.

AFTER NUMEROUS PHONE CALLS AND LETTERS TO THE BANK THIS ISSUE HAS NOT BEEN RESOLVED AS OF THIS DATE. ON XX/XX/2018 I MAILED THE BANK A LETTER ( CERTIFIED MAIL DELIVERY RECEIPT REQUESTED ) REQUESTING THAT THIS ISSUE BE SOLVED. THIS LETTER WAS RECEIVED BY THE BANK ON THIS DATE.
Product: Student loan

I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents
Product: Credit card

I had went to XXXX XXXX XXXX in XX/XX/year>. The guy there pulled my credit report got approved for XXXX credit Card XXXX from lending club patient solution and Alophaeon Credit. By the way I never got the credit card from neither company. So I been paying monthly payments to both companies, I was 30 days behind, my credit dropped and charged interest on there like I had used the card, never got any cards. Recently I started getting my statements, on the Alophaeon Cerdit, I seen on my statement it says please make check payable to, Comenity -Alphaeon XXXX  I never seen a eye doctor, I only saw the dentist there to put XXXX Bridge in my mouth, so I had stop paying on this until I can get help on what to do about this situation. I'm will be still paying for the lending club patient solution to try to recover my credit. I have the documentations but not on my computer.
Product: Mortgage

We are XXXX military and XXXX after we bought a house. We tried selling our house many times and could n't bc we owed more than we could sell it for. So we opted to do a short sale. We have had XXXX good offers in for this short sale and we are about to lose this XXXX offer bc the bank is taking to long. Every time I call its always in process. We had this offer in since XX/XX/XXXX and cant afford to lose this buyer. I feel like the bank is taking this long on purpose for XXXX reason.! - bc we are XXXX military and they know if we fall back on payments they can contact the command and XXXX bc we are still paying on the house and have never defaulted that they are still getting their money. If we had missed 3 payments then I 'm sure this house would have been sold already. It is not our fault that the military XXXX and weve done everything the right way and kept paying on this house. The house is not worth what we owe on it and therefore we cant sell it. When you have a good full cash offer in why would you just sit on it. Its putting a lot of stress on our house hold having to make a mortgage payment and rent. Can you please help us resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # ending XXXX, has violated my rights. 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
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX of them and there are closed if they closed da acct they can't report late payments cause da acct is all ready close
Product: Credit card or prepaid card

I have had this account for years until recently I started at a hotel and they let you pay cash and hold {$75.00} off your card for issues accrued. Mid stay I noticed they were charging my card and I was paying cash I only discovered it because I went shopping and my card was getting denied so I called and discovered the amount that I knew I had on my card wasn't there because XXXX XXXX and XXXX was charging my card the daily room even though I was paying cash so they were getting paid twice a few items I disputed I disputed an amount and my money was credited back and then the hotel went in a did a hard hit on my card making it negative the exact amount combined that I just disputed so when card company credited it again the money essentially went right back to the owner cause we all know if have a negative account as soon as money is added or credited to your card the negative amount is paid. I went back and forth with this for months with no resolution except to tell me the creditor said the charge was valid and most of the time that was true but they didn't tell that they had already been paid in cash. This hotel has alot of complaints from guest complaints regarding charges that were not authorized. I wish I had looked them up on the XXXX XXXX XXXX beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with Equifax, and XXXX  only numerous calls and letters to correct, they will correct XXXX but not all credit history in years incorrect balances incorrect on 5 or more accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender tried to pull my Equifax report and was unable to. I usually use XXXX to check my XXXX and Equifax, so I created an Equifax account to view my credit information. I put my social in and they are saying I dont exist. I clearly do as I have credit cards, student loans, and an existing mortgage. I called XXXX times already with an attempt to verify my identity information in order for them to even check if my SS is correct. All XXXX times their automated license verification system failed. I have resorted to sending them a fax or my Drivers License and Social Security as they requested. I would like answers how this is possible when XXXX is able to show my a daily checked Equifax score with all my accurate accounts.
Product: Credit reporting or other personal consumer reports

These accounts were not initiated by me, and I believe they are fraudulent.