23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, Navient, despite my telling them that I can not pay the outrageous $ XXXX private loan, are calling me XXXX5 times per day. I told them that calling me that many times is not going to make me all the sudden have the money. The person said they do n't care. It is unecessary harassment as far as I am concerned. The bankruptcy laws written for student loans have allowed the colleges to raise their prices exponentially and now an entire generation has fallen victim to their ability to get guaranteed loan money. This is a consumer protection issue. I want the calls stopped. When congress acts to allow for student loans to be discharged in bankruptcy I will go through that process. That is how this will end. They will not be payed on this predatory loan. I took that loan as a XXXX XXXX XXXX who thought that good paying jobs would be available to justify the expense. That has not been the case for me and many people my age, instead there is an epidemic. I am on social security XXXX for my inability to work. I have applied to have the private loans discharged like my federal loans were and they have denied me 3 times. I am saying no to this corrupt government practice of not allowing discharge of debt through bankruptcy, it is equal to debtor prison, it is unjust, and it will be defeated.
Product: Credit card or prepaid card

I called HSBC in XXXX about two charges on my Mastercard statement which I did not make so I paid everything but those two charges and was told they would be taken off. They closed that account and issued me a new card. Later that month I received an email stating I was delinquent on my account and charged a late fee even though I paid the remaining bill on time. I have sent several letters and copies of my statement to at least four HSBC locations but did not get any response from HSBC. 

It is now XXXX and nothing has been resolved. Now I'm afraid my credit may be in jeopardy. I just want this to be looked into and resolved. I am very uneasy about not being able to hear back from HSBC which is a large institution. Something is not right.
Product: Debt collection

The problem star coulpe.months ago I losse my job also I was involved in a car accident so I take time to recovery for my injury I still going to theraphy also I am not working in the main time I didn't receive letter for them also when I called they didn't anderstand my situacion about it also I tried to negotiate with them but they didn't andersatand my situation and they told me they will send my information to my credit report
Product: Debt collection

I have no Knowledge of an account with ARC Account Resolutions yet they are reporting on my credit file and calling me, I have asked for proof of Debt which they have not supplied They have never sent me anything about the debt only started reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

Dear Discover Bank, I am writing to follow up on my previous letter regarding the inaccuracies in my credit report. As I mentioned in my last communication, according to XXXX, Discover started reporting on my account in XXXX of XXXX, XXXX reports that Discover started reporting on my account in XXXX of XXXX, and XXXX states that Discover started reporting on my account in XXXX. These discrepancies clearly indicate that Discover is not reporting accurately and fairly, as required by the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple disputes to the credit bureaus regarding this issue, but each time, the response I receive is that the information being reported by Discover is accurate. This is simply unfair, as the information being reported is clearly not accurate, and it is negatively impacting my credit score and financial standing. 
Under the FCRA, it is the responsibility of both the credit reporting agencies and the financial institution reporting the information to ensure that the information being reported is accurate and up-to-date. This means that Discover has a legal obligation to ensure that the information being reported is correct, and if there are any errors, they must be corrected in a timely manner. 
I have attached documentation to this letter that demonstrates the inaccuracies in my credit report, including the statement from Discover in XXXX that contradicts the information being reported to the credit bureaus. It is clear from this documentation that Discover has not been reporting accurately and fairly, and this is having a negative impact on my credit score and financial standing. 
Therefore, I am once again requesting that Discover take the necessary steps to correct this error in my credit report immediately. I expect that you will work with the credit bureaus to ensure that the information being reported is accurate and up-to-date, and that you will take all necessary actions to resolve this issue. 
Thank you for your attention to this matter, and I look forward to hearing from you soon. 
Sincerely, XXXX
Product: Debt collection

In the year XXXX, my daughter saw a doctor in the XXXX XXXX XXXX. I didnt notice the bill was overdue until much later, after we moved. by then it was in collection and we didn't have the money to pay. It has been sold multiple times and each time the new agency places it on my credit report as a " new '' account with a " recent '' date. Probably the date they purchased the account. This Account is now over 7 years old and way too old to be on my report. I have disputed it several times previously AND it was REMOVED each time, only to REAPPEAR a while later with a NEW agency. 
This HAS to be illegal. THere is NO way that ONE account can be magically renewed just because it was purchased by a new agency. When I contacted the CBE agency, they threatened me with arrest, which I am aware is not within their abilities. 

Original debtor XXXX XXXX original date XX/XX/2014 Patient XXXX XXXX Parent XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX account sold to CBE collections : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ignored my letter of concerns with an account being reported as a collection. I tried reaching out to the collection agency with no success. I then notified TransUnion that the letter I sent to XXXX XXXX returned to me as " Not Deliverable '' which meant the company does not exist. How are they validating a debt with a company I can't reach? 

Not to mention, TransUnion never responded to my concerns and it has been more than 45 days. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I have the right to have this information removed due to the fact that i am a victim of identity theft.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX XXXXXXXX in Equifax, balance is {$210.00}, and account # XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX XXXX that I was a victim of Identity Theft. It seems the XXXX XXXX doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXXXXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXXXXXX 8.XXXX XXXXXXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX  Accounts 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, credit repair services, or other personal consumer reports

Experian in reporting that I owe {$1400.00} to XXXX XXXX, I paid this out 3 years ago. They are also reporting that I owe XXXX and XXXX ( two accounts ) I have paid these accounts. They should be totally removed from collections.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX PM, I sold an item and the person who was buying it sent me {$69.00} on Cashapp. However, after receiving the item, they were able to cancel the transaction. I reached out to Cash App and they informed me that, I had to hit " accept payment, '' however the sender cancelled the transaction before I was able to hit accept. I reached out to Cash App and they were of very little help. Anyone on cashapp can hit " cancel transaction '' before the receiver accepts it and it is returned to sender. But sometimes, there is no need to hit accept payment and the payment gets accepted. It seems to be at random when the transaction requires the additional acceptance in order to receive funds. I reached out to Cashapp and was never returned the {$69.00} dollars. 
I reported the sender on Cashapp and reached out to support but they told me they couldn't do anything.
Product: Debt collection

AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Debt collection

I was forced to apply for Care Credit which is a service provided by XXXX XXXX. XXXX XXXX forced me to apply for this credit and I was approved. I was harassed to charge up the card to the limit once the card came in. Little to my knowing the XXXX  agency had already contacted XXXX XXXX and charged up XXXX dollars to the card without my permission or knowing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of certain accounts and inquiries from my credit report, as outlined below. I am a victim of identity theft, and unauthorized accounts and inquiries have been reported on my credit report without my consent. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be removed promptly : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I contacted the lender upon receiving a notice In The mail stating that. I was in debt to my escrow account by the amount of {$3200.00} as stated by the representative. Now as of XX/XX/2020 I have another letter sent out stating my new payment will be {$2000.00} vs the {$940.00} I initially signed and agreed for. I am extremely confused and concerned and have found no help or results by contacting the lender, not to mention the agent XXXX XXXX whom informed me with false information and claims during the entire process of purchase.XXXX mislead me and lied to me over many occasions and betrayed my trust as I deemed him as a professional in which in fact he was not!
Product: Credit reporting

The XXXX XXXX University XXXX XXXX. This debt has been completely paid not charged off. This was a school debt, I made payments and pay this debt off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my rights XXXX Or list of inquiries 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: Debt collection

Today XX/XX/XXXX XXXX XXXX from JPL Recovery Solutions, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
Product: Student loan

Hello, I need help, I am having issues with PHEAA/FED LOAN SERV Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take out loans and even promised me internships and jobs but did not deliver. The school closed down a year after i graduated and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still trying to figure out how we ended up with multiple loans. They did not help me in anyway find work after graduation, or give me any internships either. I advised XXXX XXXXXXXX, and XXXX unregard to this but still haven't had much help. Please help.
Product: Debt collection

XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This letter serves as an official and urgent request that you, Equifax, immediately permanently block, and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open, initiate, or authorize these fraudulent accounts and inquiries. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer FICO credit report. I do not recognize these accounts, and they must be removed immediately. Enclosed with this letter, you will find : 1. A list of the fraudulent accounts in question. 2. A copy of my consumer FICO credit report, highlighting the fraudulent items. 3. A copy of the FTC Identity Theft Complaint ( XXXX, XXXX, and XXXX ), confirms that these accounts are indeed the result of identity theft and fraud. I demand that the accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. Failure to comply with this request will leave me with no choice but to take legal action against Equifax under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my Experian credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! Experian is just as guilty for allowing their illegal practices to  continue.