23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My son attended XXXX XXXX of XXXX XXXX - XXXX. He attended XXXX for his XXXX  and was told to look into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We spoke with admissions counselor and they gave us high percentage of students that graduated obtaining immediate employment upon graduation. During his 4 years he was told he was not eligible for scholarships, although his grades were XXXX XXXX XXXX, he took out several loans to pay for his education. Each time it came around to pay tuition we were told that I had to apply for a Parent Plus loan, although I knew I would be denied because of a recent XXXX. In XXXX I was approved for {$7000.00}. We did not need as much but we borrowed XXXX extra to purchase a car for him to get to school and for computer and supplies. I electronically signed the XXXX unknowingly and without explanation that this type of note allowed for withdrawals up to ten years. It made no sense because I still had to apply for PLUS loans each year. It was never really explained to us why, and my son ended up with over $ XXXX in student loan debt. My little Parent Plus loan is now XXXX XXXXXXXX. I have tried for XXXX XXXX to get help from the school financial aid officer, after leaving multiple messages and getting runaround I consolidated although I did not agree with the amount owed. 3 different loans. The documentation I did find on XXXX website has two XXXX  but one lists incorrect name as student with my son XXXX. My XXXX amount was more than my car note, I only made XXXX XXXXXXXX XXXX  with housing abd other debt. I tried paying that until I get sick and went out on medical leave in XXXX and again in XXXX. I finally made the decision to XXXX  XXXX XXXX to try and pay towards the balance but it is not discharged. Once I was discharged it began reporting open with XXXX XXXXXXXX balance and counting, dropping my score XXXX points!! I now understand the school is closed, my son worked with an attorney to address his student loans. Parent PLUS loans are rarely eligible for forgiveness. I was taken advantage of being ignorant to student loan lending by XXXX XXXX XXXX XXXX and so was my son. He just wanted to obtain his XXXX XXXX and I wanted to support. We thought loans were our only way and were never offered alternative grants or scholarships. 
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Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX CXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX/XXXX/2024XX/XX/XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Experian for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and Experian has my payment history starting XX/XX/XXXX. I have received no response from Experian regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute to TransUnion on XX/XX/XXXX, sent via certified mail with return receipt. It was marked XX/XX/XXXX they received my letter. I sent my follow-up letter XX/XX/XXXX explaining they did not respond to my letter. There were no disputes opened and I received nothing in the mail accounts were verified. It is not XX/XX/XXXX and there was no investigation. Now they must delete the information due to non-response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
XXXX XXXX AND EXPERIAN WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 XXXX XXXX XXXX  XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Hope you straight Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wanted you to know I dont agree with this debt Best time to hit me up is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time Anything else like live calls or voicemails aint workin for me Thanks for understanding One
Product: Mortgage

On Monday, XX/XX/XXXX. a check was delivered to PHH Mortgage services, overnite payment office, received by the receptionist. Verified by XXXX XXXX, the check was for XXXX for XXXX and XXXX payments. I called on XX/XX/XXXX to verify and ask why it was not posted, the agent said he would send a message to cashiering dept. I emailed on Monday and Tuesday to the relationship manger email. I received two responses stating they received my emails. Today XX/XX/XXXX I have yet to receive any response or resolution. 
I called on XX/XX/XXXX and spoke to another agent checking on the status of the payment and if it was posted, I git the same answer, they are working on it and give them time. I called two more times, I requested an escalation manager on XX/XX/XXXX. Agent number XXXX, he said he will email cashiering and get back to me. He did not return my call XX/XX/XXXX or XX/XX/XXXX. I called on XX/XX/XXXX and spoke to agent XXXX, escalation manager, she rambled on about it being a process and they are working on it and there is no way to get a hold a chairing except through email. I was furious and said how the XXXX does it take one week to post a payment. This is illegal, this is disgraceful. So I wasted money on a XXXX XXXX  and wasted time and emotion all week trying to get payment posted. I need resolution. 
XXXX XXXX PHH account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has falsely reported information to the credit bureaus about an account that does not belong to me. Ive already contacted them with all necessary documents to remove this account off my reports with Equifax, XXXX, and XXXX XXXX, as I am not responsible of no part of any debt with this creditor please remove off my report effective immediately as Im a victim of identity theft. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair credit reporting act # XXXX  XXXX bankruptcy. XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXXXXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO MY CREDIT FILE
Product: Debt collection

Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC Section 604 A Section2 : 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 credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never made any attempts to contact me in reference to the account and give me a chance as a cosigner to make the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have had a data breach with XXXX they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold from the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX and I am no longer responsible for the account. The debt collection agency did not verify this account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Portfolio Recovery has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Product: Student loan

On XX/XX/XXXX I was contacted on XXXX from a girl named XXXX XXXX. Her message said the following : Hi, do you happen to have your student loans thru Wells Fargo? I am asking because they sent me paperwork with your information on it and wanted you to be aware of that ... .you may want to call them and check in. I checked this message on XX/XX/XXXX @ XXXX because I dont keep up with my messages on XXXX XXXX I responded back last night and said XXXX, thanks for the heads up! That is very odd. I called Wells Fargo this morning and they said the last communication they had with me was on XX/XX/XXXX about receiving a XXXX XXXX Payoff amount. After doing some research on the individual, I did not think this was a fraud or a scam because she had pictures of her wedding and her mother/brother etc was commenting on everything. I asked how she received this paperwork and she said that she asked Wells Fargo for a Payoff quote and they sent my loan payoff quote information to her email address. I did not ask for her email address or any other information. I have contacted XXXX XXXX, my new student loan refinance and have changed all my passwords on my account. I am entering this claim because Wells Fargo has gone past their privacy policy and shared my information with another individual who had to message me on XXXX about it. I am not happy with the service I received and they have done nothing to make me feel that I am protected along with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX dollars.
Product: Checking or savings account

I've requested an address to mail a notice of lawsuit against Wells Fargo numerous times, no address provided. The lawsuit concerns damages caused as result of inability to open deposits accounts due to information previously reported by Wells Fargo for accounts opened which I did not want or need. Damages include lost interest on monies unable to deposit as I was unable to open accounts due to information reported to consumer reporting agencies such as XXXX XXXX XXXX. Prior remedy amounts were offered, however, do not cover damages described above. I've requested a reasonable settlement offer, however, Wells Fargo will not provide one, unwilling to discuss it via phone. Further, the mediation amount offered, {$500.00}, is not sufficient and I require either a reasonable settlement offer or an address to mail a notice of lawsuit, which was requested and not provided. Failing to provide either above, additional complaints will be filed.
Product: Checking or savings account

XXXX unauthorized charges on XXXX : {$900.00} - XXXX : {$900.00} and XXXX : {$210.00} was charged at a XXXX in Georgia. With an inactivated card the bank was supposed to send to me because my current card was inactive. I live in Florida and was not in Georgia. My card was not stolen as the agent implied. The new card never made it to my home. Wherever the bank mailed the card to ... the person at that end activated the new card with an unauthorized phone number and pin to make the transactions mentioned above. The bank will not disclose who or what number was used to activated the card. I filed a police report and submitted requested documents by the bank and they are still denying to refund my stolen money.