23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I receive a call from Navient at least 3-4 times per day starting at XXXX XXXX and ending at XXXX XXXX Ive been told that navient had a meeting and they decided to no longer be apart of the group of student loan companies that are delaying payments until XX/XX/2023. It also appears that interest has accumulated, when Biden placed loan payments on hold my account was approx {$10000.00} now its over {$11000.00}. This company is awful, they bully people and when you ask for deferments or loan payment reductions Navient will tell you that youre not eligible for anything.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquiries on my credit report and I did not authorize
Product: Debt collection

The debt is court-cost misdemeanor fine of {$1600.00} incurred on XX/XX/XXXX. In writing with a Recorded, Certified letter, I asked company as to stop calling as of XX/XX/XXXX. I currently receive ONLY XXXX ( Federally determined XXXX ) as income appr. $ XXXX The last phone call was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a series of letters to XXXX, Transunion & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from XXXX  and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.
Product: Credit reporting or other personal consumer reports

My account with 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 was never late! I have had exceptional payment history and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing
error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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

Gurstel Law Firm is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, XXXXXXXX XXXX XXXXXXXX, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, Gurstel Law completely ignored XXXX and is incorrectly and malicously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that Gurstel Law firm cease from reporting my closed XXXX accounts to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my Experian credit report and 30 days late on XXXX ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.
Product: Credit card or prepaid card

On XX/XX/18 I went to " XXXX XXXX XXXX '' to purchase groceries. I had over {$1000.00} in my checking account but I was denied purchase stating that my card was rejected. I inputted my password at least four times but to no avail. It was the third time I had been rejected in the last three months : XXXX, XXXX & XX/XX/2018. I believe they are holding my money to meet their threshold or quota for the month or quarter. I called them each time and I couldn't get a straight answer, their responses rooted in perpetual lies. I look forward to having this issue resolved and not be humiliated holding up long lines of angry shoppers waiting.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX  Dear Experian : My credit report shows a collection from XXXX XXXX XXXX XXXX  with the account number of XXXX. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. I am making a formal complaint that you are reporting inaccurate credit information.Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 

I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.I am requesting the description of the procedure used to determine the accuracy and completeness of the information as well. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this company. The FCRA requires you to verify the validity of the item within XXXX days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I demand that you delete this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in my own area.While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter, because I dont have time or patience for playing games.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain items from my credit report. I am a victim of a recent data breach, which resulted in identity theft and unauthorized accounts being reported in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these items removed from my credit report.

Below are the details of the unauthorized accounts that need to be removed : XXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX  - Case Number : XXXX - Date Filed : XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX XXXX XXXX, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my XXXX, Experian and XXXX Credit Report by your company XXXX XXXX evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately. 

I am requesting that XXXX XXXX within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a request to Equifax through there website for Right to Know/Access report on the personal information they have collected on me under the Privacy Preference section. I received an email with a link saying it had been completed but the link would not work. I called the phone number provided on the email for help and spoke with multiple people that did not know anything about the privacy preference options and I finally was able to get a person who knew about it after multiple calls and I asked for the report to be mailed to me instead. It was not mailed and instead months later I received another email with a link to open it and now the link opened but there was no way for me to open the report. I have again made multiple calls to the phone number provided and no one I have spoken to can help me, most of them say this doesn't exist.

It seems that Equifax is trying to obfuscate there responsibility to provide this information to the consumer and they have no intention on sharing the information, so much so that the people who work for the company don't even know it is an option.
Product: Credit card or prepaid card

Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.
Product: Debt collection

United Collections Bureau is attempting to collect illegally on a medical debt. 

I have sent them three notices, 93A Demands, via certified mail. They failed to provide proper validation of their claim and continue to report to the bureaus in violation of federal and state law. 

In the state of MA under XXXX XXXX XXXX CMR XXXX : Unfair Practices AND XXXX XXXX : General Unfair or Deceptive Acts or Practices - a debt collector may NOT place their name on a consumer credit report. UCB has broken this law. 

UCB has failed to provide proper validation of their claim to show Proof of Assignment, the contract showing they own or represent the account, in violation of MGL Chapter 106 UCC section 9-405. 

UCB has failed to provide proof of their claim under federal or state law requirements. No signatures or ledgers on the alleged account were provided. 

In fact, after receiving the third demand for action UCB refused to comply in anyway stating a refusal.
Product: Credit reporting or other personal consumer reports

XXXX Reporting Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthoized - Delete Please XXXX Reporting Inquires : Capital One XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Unauthorized - Delete Please XXXX Report Inquires : Capital One XX/XX/XXXX Unauthorized - Delete Please
Product: Debt collection

Several attempts to reach this company MEDICAL BUSINESS BUREA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL 6 I tried to dispute this information because I have no recollection of this event or information, when trying to contact I could never get a direct person to explain this account. Prior to XX/XX/2020I had my identity stolen and had credit cards and other information being open under my name. When filing taxes I must provide a PIN number to file taxes. This account is not mine and do not know who or what this was and I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the F

air 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. Stales 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 an 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. 

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

A supervisor by the name XXXX XXXX with FLAGSHIP CREDIT ACCEPTANCE approved my 60 day ext XX/XX/20 I emailed him multiple times and he was supposedly not available for 30 days. I was called repeatedly by different representatives saying I was behind when in factuality I wasnt. They failed to update my account consistently. They reported me being late 60 days and Ive never had a late payment and they dropped my credit score 90 points and Im in the midst of buying a home for my family. I have the documents to prove this extension was approved and they sent me a letter saying the update was accurate, this is violation of the FCRA!
Product: Debt collection

Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the several unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX  XXXX XX/XX/year>.