23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of 33 $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another 33 $ payment for XX/XX/XXXXI did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the 14,000 in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.
Product: Credit reporting or other personal consumer reports

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. '' ( Furnisher of information to credit agencies ) 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. I have submitted several request on XX/XX/year>, XX/XX/year> about errors reported on my credit report. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when responses was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report.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. '' ( Furnisher of information to credit agencies ) 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. Please remove these items from the credit report Immediately! Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion proof of big error on my credit report. I sent the papers and started three cases as they refuse to help me I have kept all deocumentation of the reports with them finding no fault even when sent proof. Ive called them numerous times also asking them how can they find all information correct when I sent proof. They informed me they dont have to take off wrong things off my credit if they dont wish to.
Product: Credit reporting or other personal consumer reports

n 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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by ( certified mail via XXXX ) Transunion and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. Transunion is reporting addresses that are not accurate or relevant. I did not give Transunion permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. Transunion is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all XXXX credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}
Product: Student loan

Hello, On XX/XX/2023, Navient withdrew {$970.00} from my checking account without authorization and notifying me of this withdrawal. This payment caused my checking account to be overdrawn, and my husband and I are going into the weekend without a dollar to our names. Our bank will also charge us {$35.00} a day in overdraft fees. I was given an estimated date of refund of XX/XX/2023. So, we will be charged {$350.00} in overdraft fees by our bank because of an error that Navient made. I called to try to rectify this situation. I was told that no managers were available to take my call, and I was spoken to very disrespectfully by an employee named XXXX XXXX. She was dismissive and unhelpful to me. I was crying on the phone, as we are supposed to travel this weekend to see my father for XXXX XXXX  XXXX, and we will not be able to do that now because we have no money for gas or a gift. I am also in school and have successfully processed an in-school deferment for my private student loans. I have all of the documentation to prove this. Navient should be forced to refund the {$970.00} immediately and cover my {$350.00} overdraft fees. They DID NOT have my permission to withdraw this money from my checking account, NOR did they notify me of this payment. It was snake-like and deliberate. I have been dealing with this company doing things like this to me for 18 years, and I refuse to stand for it anymore. I demand my money be refunded, and my fees be covered. I will not drop this case until it is resolved to my satisfaction.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were reported as late payments to XXXX, XXXX, and XXXX. XXXX and XX/XX/XXXX late payment I reached out to Ally and advised them as a goodwill can they potentially help me with the removal of late payments I had problems with payments being double processed and not taking out with my bank which I shouldnt be held accountable for Ally didnt work to help me and Im seeking help again to have late payments removed XX/XX/XXXX and XX/XX/XXXX payments shouldnt be reported late they setup a deferred payment to prevent being reported I also paid XX/XX/XXXX and XX/XX/XXXX payment before the 30 day mark which shouldnt be reported as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La D.O.B XX/XX/year>XXXX  S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission and filed a FTC. Report number # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. I have tried to report this to XXXX XXXX stating it being incorrect and I get no results. I have been declined for buying my first house. And Im asking for your help. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports. 
8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Account name : US DEBT. OF EDUCATION Account number : 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  These accounts have violated my right. 
Please remove all negative accounts in 4 business days.
Product: Debt collection

On XX/XX/XXXX, I mailed a letter to Midland Credit Management requesting they stop contacting me regarding an alleged debt. The date of last alleged delinquency is XX/XX/XXXX in the amount of {$1900.00}. The letters were sent via certified mail ( XXXX and XXXX ) to Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( received by Midland on XX/XX/XXXX ) and XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX received by Midland on XX/XX/XXXX ). Also attached is a letter from Midland dated XX/XX/XXXX. Midland continues to contact me after I have demanded that they no longer contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After completion of reinvestigation ( Report Number XXXX ), Experian failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that Experian, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the reinvestigation. Experian failed to provide the complete requested description, in that, Experian failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment Experian_complaint.PDF ( Experian report XXXX XXXX, XXXX, my letter XXXX XXXX, XXXX, Experian reply XXXX XXXX, XXXX ).
Product: Debt collection

Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt
Product: Vehicle loan or lease

I have an auto loan with Suntrust Bank/Truist for XXXX XXXX years where I have never missed a payment nor been late with a payment. I attempted to upgrade my auto with a newer model but with the same payments I have been making for XXXX years on the older XXXX, but was turned down due to the fact that my student loans have an instituted XXXX deferment which the bank is using the 1 % formula to calculate the XXXX because the XXXX status and payment amount is not showing on my credit report. The deferment eliminates this status which is not fair to the consumers.This policy needs to change. These XXXX instituted deferments of student loan payments are a problem for students on XXXX because instead of showing up on credit reports with the correct monthly payment, the creditors are using the 1 % of loan formula to determine XXXX. This makes it impossible for a student to even get a basic personal loan. I have encountered several declines because of this issue with the recent one with Suntrust Bank/Truist . If my true IDR monthly payment was used on the credit report instead of " XXXX '' this would eliminate this problem. It is impossible to waive this deferment. With the deferment listed on my credit report, my XXXX is 130 % and with my XXXX monthly payment listed, my XXXX would be 42 %. This problem needs to be fixed. Of course, Truist does not take into consideration my payment history with them, stating I should dispute with credit bureaus. Even though I have proof of the IDR payment, the bank will not accept this information.
Product: Checking or savings account

ON XXXX XXXX I RECEIVED AN EMAIL ALERT FROM THE BANK OF AMERICA THAT XXXX XXXX WAS ADDED TO MY XXXX ACCOUNT. I CALLED THE BANK IMMEDIATELY AND TOLD THEM I DIDN'T KNOW WHO THIS PERSON WAS AND DID NOT GIVE ANYONE PERMISSION TO BE ADDED TO MY XXXX ACCOUNT AND I TALKED TO THE FRAUD DEPARTMENT AT BOFA AND THEY TOLD ME {$9900.00} WAS TAKEN OUT OF MY CHECKING ACCOUNT. MY DAUGHTER, XXXX XXXX AND I WENT TO THE BANK BRANCH AND TALKED TO XXXX XXXX WHO PUT IN A CLAIM AND ULTIMATELY FOUND OUT THE THEIF TOOK THE MONEY OUT OF MY XXXX ACCOUNT. XXXX FRAUD HAS THE CLAIM AND WON'T TELL ME ANYTHING ABOUT THE PROGRESS OF THEIR INVESTIGATION. NO ONE AT THE BANK CAN TELL ME ANYTHING ABOUT XXXX EXCEPT THEY HAVE A LOT OF FRAUD CLAIMS WITH THIS ENTITY. I WAS TOLD BY THE BANK EXEC THAT MY MONEY WILL BE RETURNED WITIN 10 DAYS OF THE CLAIM AND 45 DAYS A DISPOSITION OF WHAT HAPPENED WILL BE SENT TO ME. SOMETHING FISHY IIS GOING ON HERE, XXXX ALLOWED THIS GUY TO TAKE MONEY OUT OF MY CHECKING AND THE BANK HAS NO CONTROL OVER XXXX!!! THERE SHOULD BE A CONGRESSIONAL INVESTIGATION ABOUT THIS BANK THAT HAS NO CONTROL OVER XXXX TO PROTECT CONSUMERS.THE COMPLAINT TO THE XXXX FRAUD UNIT WILL NOT GIVE ME AN UPDATE ON THEIR SO CALLED INVESTIGATION, THEIR REPS TELL ME " IT'S IN THE BACK OFFICE OF XXXX XXXX AND THE BANK CAN NOT GET UPDATES FROM THEM '' YEAH RIGHT THE BACK OFFICE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

They have made a mistake and everytime I call they even admit it but it never gets fixed. Some how they keep saying a XXXX XXXX   dollar a year insurance policy was taken out on my house. I have paperwork that says its XXXX dollars a year.I cant even make payments they say it will go into suspense cause the escrow account is all messed up from their mistake. The company is XXXX XXXX my name is XXXX XXXX.My # is XXXX - XXXX please help I call and stay on hold for up to 3 hours but it never gets fixed I have done this over 5 times.