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

I am the victim of identity theft. I have tried numerous times to correct this issue with Experian without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX  XXXX XXXX / XXXX {$14000.00} XXXX XXXXXXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX  XXXX XXXX / XXXX {$24000.00} XXXX XXXXXXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXXXXXX XXXX / XXXX {$17000.00} XXXX  XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXXXXXX XXXX  XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX  XXXX / XXXX {$1200.00} XXXX XXXX  XXXX / XXXX {$300.00} XXXX XXXX  XXXX / XXXX {$2700.00} XXXX XXXX  XXXX / XXXX {$250.00} XXXX XXXXXXXX XXXX / XXXX {$1500.00} XXXX XXXX  XXXX / XXXX {$3000.00} XXXX XXXXXXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX  XXXX / XXXX {$610.00} XXXX XXXX  XXXX / XXXX {$8600.00} XXXX XXXX  XXXX / XXXX {$5700.00} XXXX XXXX XXXXXXXX / XXXX {$760.00} XXXX XXXXXXXX XXXX / XXXX {$3500.00} XXXX XXXXXXXX XXXX / XXXX {$37000.00} XXXX  XXXX XXXX / XXXX ( All accounts that say XXXX XXXX  XXXX / XXXX )
Product: Student loan

During the pandemic, my loans were placed on 0 % interest and in forbearance. However, I continued to make monthly payments and was able to pay off down my loans. 

Last week, I applied to recertify my XXXX plan. Immediately following my application, I was sent a two sentence notice that stated I did not qualify. There was no guidance in what I was qualified for to help with trying to " guess '' what my repayments would now be given that the forbearance is ending and that I had paid down some of my loans during this timeframe. 

I tried to utilize the calculator but it provides ranges of monthly payments. There is no solid answer until the actual loan turns back on for repayment and I'm told here is what you have to pay... so YOU figure it out. 

I've never missed a payment. I didn't vote for XXXX because he promised " forgiveness '' of loans, and I'm not out there promoting the legislatures who are trying to have loans blanketed " forgiven. '' I literally just want to know what my repayment amount will be with an ample amount of time to adjust my finances accordingly on my end. It is unfair to me and the other individuals out there who are trying to repay their loans but can't get a straight answer. I understand " COVID '' and " other factors '' have contributed to the problems were are seeing with loan servicing providers ( and for that, the rest of this nation and world ), but how can you expect a consumer to repay a loan with the click of a switch, without knowing in advance what that prepayment amount will be? How can a loan servicer expect their consumers to balance between mortgage/rent, gas, rising energy costs, rising food costs, and pay down their debt with stagnant wages? 

All I am literally asking for is my repayment amount with some advance notice to readjust my monthly expenses so I know where I have to cut costs to afford the repayment because right now I'm left guessing with a spectrum of what it could cost for repayment.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. XXXX XXXX # XXXX.
Product: Debt collection

In    2011 R esurgent Capital Services bought a debt from  XXXX   XXXX  and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all   XXXX   major bureaus and the debt always comes back as verified which is strange because when I talked to  XXXX  at  XXXX  in the fraud department she advised me that she could not send me validation of the debt because it was sold to  Rsurgent  i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I   XXXX  denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company  XXXX  hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down.   XXXX   sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.
Product: Debt collection

I C Systems is trying to collect the amount {$1500.00} and has is on my credit report as collection. 
The actual account is XXXX ( electric company in XX/XX/XXXX ) the Service address is XXXX XXXX, XXXX, XX/XX/XXXX XXXX. Service date : XX/XX/XXXX through XX/XX/XXXX. 
****I never lived that address. During the service dates I lived in XX/XX/XXXX. I moved into my Apartment in XXXXXX/XX/XXXX XX/XX/2018 and still currently reside at the same apartment. 
I have NEVER given any permission in my lifetime for anyone to use my name, ss number or any information to obtain services or anything. 
***I do NOT owe this company for this amount. 
I contacted XXXX and they still say I will owe it. I filed a dispute through XXXX and the I C Systems states I still owe it. IT IS NOT MY ACCOUNT I had XX/XX/XXXX put out an alert for my id to be seen physically before anyone can use my info at all. I hope this helps but for this XXXX account ( REF # XXXX ) I want fraud placed with this account Thank you, XXXX XXXX
Product: Checking or savings account

An account aXXXX XXXX XXXX  was open using me as an applicant without my consent on XX/XX/2019. This account resulted in having a negative balance which is showing up as a charge off in Chexsystems reporting. The account number was XXXX. 

PLEASE IMMEDIATELY REMOVE ME FROM CHEXSYSTEMS SHOWING A CHARGE OFF. I AM IN GOOD STANDINGS WITH XXXX XXXX. 

I HAVE ATTACHED MY NOTARIZED FRAUD AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your recent email regarding the reporting of the following accounts : XXXX XXXX Account # XXXX : Original balance {$20000.00}, charged off and sold to another lender. 

XXXX XXXX Account # XXXX : Original balance {$4000.00}, charged off and sold to another lender. 

XXXX XXXX has provided me with documentation confirming they are the lender that purchased both accounts from XXXX XXXX Bank. These documents include : A letter on XXXX XXXX letterhead confirming the purchase of the accounts and settlement. 

A notarized Affidavit of Sale from the XXXX XXXX - State of Indiana, verifying the transfer of ownership of these accounts. 

A XXXX Form issued by XXXX XXXX  XXXX which shows the debts were cancelled following their settlement. 

Copies of these documents are attached for your reference. 

Despite these facts, XXXX XXXX continues to inaccurately report to the credit agencies that these accounts are " charged off and sold to another lender '' without acknowledging their settlement status. This inaccurate reporting has caused significant harm, including : Defamation of character. 
Loss of financial opportunities over the past two years.

Emotional distress due to the ongoing dispute.

Additionally, your continued actions and inactions appear to violate several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) ( 1 ) : Furnishing inaccurate or incomplete information to credit reporting agencies.

15 U.S. Code 1681s-2 ( b ) : Failing to investigate and correct disputed information.

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692e : Using false or misleading representations in connection with the collection or reporting of a debt.

Fraud and Privacy Violations 15 U.S. Code 1681q : Obtaining consumer information under false pretenses.

18 U.S. Code 1038 : False information and hoaxes, causing harm by perpetuating false reporting.

Other Consumer Protection Violations 15 U.S. Code 1691 : Discrimination in credit transactions if your practices are shown to disproportionately harm certain consumers without justification.

To resolve this matter, I demand the following actions : Immediate correction of the inaccurate information reported to the credit agencies. 
Written confirmation that XXXX XXXX has updated the credit agencies to reflect that these accounts were sold to XXXX XXXX and subsequently settled in full. 
Compensation for the financial and reputational damages caused by your inaccurate reporting. 

Failure to address these violations promptly will leave me no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will explore legal options to seek compensation for the harm caused. 

Thank you for your immediate attention to this matter. I expect a response within 15 days of receipt of this email. 

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

My account with 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 in 60 days 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. 


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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Several dispute requests have been sent to the credit bureaus with no updates on any of the investigation results, so maybe you can help me to get some updates here. The following accounts are inaccurately reported : My disputes are attached that has been mailed out the last couple of months to the credit bureaus. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting.
Product: Consumer Loan

I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back.
Product: Debt collection

Both balances were paid at the same time in one full payment to XXXX at the XXXX Business office on XXXX XXXX XXXX, in XXXX 2013 the balances of XXXX and XXXX. I have called the XXXX office with no help. I have spokes to XXXX at the XXXX office twice. I can not pay this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian has different information regarding this charge off. This account was closed twice once in XX/XX/XXXX and XX/XX/XXXX according to Experian. XXXX only has record of it being closed once. I'm not sure if they both have the same charge off date but Experian reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
Product: Payday loan, title loan, personal loan, or advance loan

Iam respond to Goodleap LLC statement about they were satisfied with the resolution, because i was not, they have video and statement from a solar and roof company about the condition of my roof and attic Goodleap LLC continue to ask me to sent in document about the damage i have that leading to physical harm and the building structure of the roof because they will not accept any video are document from the company that wrote up the statement and the cost of repair that are needs because of this i have ask Goodleap LLC a number of time to sent a company that they trust to do the inspection of my home, because my home was never inspect from the begin XXXX Goodleap LLC pay for the roof that was done with out guide line to hold up for 10 year or more and solar panels mount correctly to prevent water damage Goodleap LLC telling me this is not the act of man doing poor workshipmanship than what is it, yes i have receive a check for {$3400.00} and refuse to cash it, due to this is the act of a company that was pay in full, an the repair cost is around {$18000.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CBE Group is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CBE Group, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX CBE Group, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CBE Group never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, Wells Fargo Card Services reported a two hard inquiries on my XXXX Credit Report that I did not authorize. I sent them two certified letters on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiries. While they are still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've created a fraud report with Identitytheft.gov, reported multiple CFPB complaints ( XXXX ) about the XXXX card on my account that I have never seen or have had access to. This was a result of identity theft. I have filed a police report with my county 's department. Nothing has been done. The account is still showing on my credit report. This is not my card. The last time I filed a report the company said that I am responsible even though I didn't open this card nor have seen it before in my life? This is not acceptable. I am a victim to identity theft, and I have never had the card in my possession. This card is not my responsibility and it removed. I feel that no one is taking this serious. 

Attached is the police report, identity theft report and the account information connected to this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Experian and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Experian provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Product: Debt collection

Consistently called my fiance and I at the same time, hung up when answered, had bill collectors or customer.service reps or whatever they are be extremely rude, asserting themselves into my life by asking me about money I might be getting and what I might be spending it on. Whether I owe them money or not, it is none of their business about my financial situation other than my job, my housing, my monthly bill expenses, and my phone number. I was even told I can ask them to stop calling but if a program comes up that might help me I will be ineligible for it.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 to XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - 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.