23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. 

When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. 

Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. 

Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! 

Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. 

Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt?
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 XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

As a XXXX combat veteran, I served time overseas and during those years, my identity was stolen. As a result, fraudulent accounts were opened, defaulted, and posted to my credit reports ( to include XXXX, EQUIFAX, and XXXX XXXX ). During the months of XXXX and XXXX, I sought legal counsel to assist the removal of incorrect information on my credit reports. 

Some of these accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other negative items. 

During the months of XXXX and XXXX, letters were sent out to all of these bureaus which required them to remove all negative items, accounts, late reporting, charge-offs, and inquiries. Unfortunately, the accounts and negative items are still reporting on my credit files. Whenever I call to, the representatives refuse to be helpful and they respond with continuous resistance in a very disrespectful manner. 

Every negative item should be removed from my report as the accounts and items do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX XXXX and equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 
According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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: Student loan

A student loan was taken out and my name was used as a cosigner with a forged signature. I disputed the loan and signed an affidavit as well as filing XXXX police reports in my town and in the town in which the fraud occurred. Without reason or explanation Chase bank has denied my dispute package. In addition they have constantly threatened me. A non bias entity has ruled it a fraud, Chase is bias in regards to it is their loan. They remain uncooperative and drag things out for months. After this account was defaulted and closed they illegally pulled my credit twice. Chase will not give any reason for the denial and gives my lawyer and myself the run around. They have no proof I signed this document and ample proof that I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ivnv funding LLC for the amount XXXX I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
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 & 15 USC 1692. 

XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX 15 USC 1681 Section 602 A. States i have the right to privacy. 
15 USC 1681 Section 604 A ( 2 ) It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX and TransUnion on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$2500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : - **Account Name : [ XXXX XXXX ] ** Account Number : [ XXXX ] The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
Given these violations, I am requesting that [ XXXX XXXXXXXX ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within 30 days of receiving this letter. 
I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my second attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Debt collection

I contacted Lamont , Hanley & associates about a letter i received stating i owe money- i asked them to explain to me and provide me with written documentation from company and they stated they didnt have to do that, i stated the debt isnt valid, i have emails from my company that submitted the paperwork to be answered. they threated that failure to pay today will result in adding negative to credit report.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME. PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company Joseph Mann & Creed is trying to collect {$97.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Joseph Mann & Creed with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Joseph Mann & Creed. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Joseph Mann & Creed. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

On XX/XX/2016, someone fraudulently leased a puppy from a company called XXXX, which did financing through Lending USA. XXXX  is no longer in business, but Lending USA still owns the debt owed for this dog lease. Lending USA has sent the balance of the unpaid loan to multiple collections agencies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ), and each time I dispute this account because I did not open it. Each time, the collections agency closes the account and sends it back to Lending USA, who sends it to a new collections agency. I have filed a police report, an FTC affidavit, and two CFPB complaints ( one against XXXX, one against XXXX XXXX XXXX ) regarding this issue. The account was opened by someone using the name XXXX XXXX, which is not my last name, and had monthly payments set up with a bank account with XXXX XXXX XXXX XXXX that I have no association with. They also used an address I am not familiar with. I have tried to dispute this account directly with Lending USA, as recently as last week, but they tell me they don't have any documents on file regarding my dispute and when I sent in all supporting documents again, they respond by telling me to deal with the collections agency. I have already contacted the most recent collections agency ( XXXX XXXX ), over a month ago, and they told me they would close the account and send it back to Lending USA. This is a never ending cycle, and Lending USA continues to send this debt out to different collections agencies instead of dealing with my fraud claim and closing this account. I do not owe this amount to Lending USA, I have years of documents supporting my claim, and I am not sure what needs to happen to clear my name from this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I noticed fraudulent accounts on my report these accounts are hurting my ability to gain credit. 

To verify my identity and avoid further delaying tactics I have included a picture of my State issued drivers license, social security card and a bank statement for proof of address. I am the consumer and I am submitting this report on my own behalf.
Product: Debt collection

RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
Product: Mortgage

XXXX History of Wells Fargo Foreclosure XXXX, FL XXXX XXXX XXXX/XXXX/XXXX When we stabilized financially 3 months later Called Wells Fargo and tried to set something up to get house loan caught up. 
Was told they would not except any payments as we were in Foreclosure Wells Fargo Stated not to worry we would get a loan modification. 

Sent financial papers requested by Wells Fargo for 6 months with me calling them once or twice a week. 

Were told not to worry about the original foreclosure date as it would be pushed out since I was in line for a loan modification. 

As Wells Fargo had not told me anything truthful since I started talking to them We contacted their lawyers. 

Deal was struck ( Stipulation ) with their Lawyers to catch up on payments. Sent $ XXXX and was to make $ XXXX payments for 13 months. ( Which I did ) They foreclosed after I had made agreement. Wells Fargo bought my house at action for {$70000.00}, on the tax rolls as of XXXX it is appraised at {$250000.00} Contacted attorney ( XXXX XXXX ), He went to court and had Foreclosure reversed. 

Made Twelve of Thirteen payments. Wells Fargo went back to court and got new sales date set for XXXX, XXXX. 

Paid thirteenth payment. Wells Fargo set new sale on XXXX/XXXX/XXXX Attorney ( XXXX XXXX ), went back to court and stopped sale again. 

Attorney ( XXXX XXXX XXXX, Had me go to Wells Fargo and start making Payments. 

Wells Fargo informed me they could not accept any funds as I was in Foreclosure. 

Attorney ( XXXX XXXX ), had us make payments to the court registry. 
{$1700.00} a month for 12 months, which we did. Notified their lawyer every month of payment sitting at court registry. 

XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Order vacating Final judgement dismissing case with prejudice. ( my favor ) XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Court ordered funds in court registry given back to me. $ XXXX Dormant for 2 years 4 months. Not a word XXXX/XXXX/XXXX Wells Fargo Started new foreclosure case using different date different case. Before their new date I had paid $ XXXX to them or to court registry. 

XXXX/XXXX/XXXX 2nd Case Dismissed under the XXXX XXXX XXXX XXXX 

XXXX/XXXX/XXXX Sitting in limbo again