23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.
Product: Checking or savings account

For over two years, I have had a auto payment set up for my rent with BB & T Bank for {$850.00} to a family member 's corporate account that owns the property. Payments have been sent automatically without a problem until I was notified by my family that three ( 3 ) payments were received for XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. When I investigated why three payments were made in XX/XX/XXXX, I discovered No payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I realize BB & T has been merging with SunTrust to become Truist Bank ( which was finalized in XX/XX/XXXX ), but all my other automated payments with that checking account have been fine. I contacted the bank and spoke to XXXX and explained I maintain a balance of {$12000.00} - {$17000.00} in that account at all times, so funds were available. I never received anything from the bank that there was a problem making the payment. Then the bank takes three ( 3 ) monthly payments in the month of XXXX, again without notifying me they would be doing so. If my rent payments had not been going to a family corporate account, I could have been served an eviction notice for non-payment. Then to take three payments in one month from my account without notifying me they were going to do so could have resulted in numerous overdrafts charges if I did not maintain such a large amount in my checking account. All I wanted was a letter from the back stating why this happened, that it had been corrected, and this was not due to any fault of myself. I was told this could not be done. Nor could XXXX explain why it happened or if it will happen again.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX of birth is XX/XX/XXXX I do not have my account number Its a charged off account Payment Status Collection/Chargeoff Last Updated XX/XX/XXXX Current Balance {$510.00} Original Balance {$510.00} XXXX XXXX XXXX and there are 2 more I do not recognise Lender 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. 1681-2 ( 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.

-O- Cash Flow! I am not a XXXX XXXX 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: Payday loan, title loan, or personal loan

XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.
Product: Credit reporting or other personal consumer reports

I sent letters to each company multiple times ; I received a full credit consumer profile. I did not receive any proof of original documentation of the debt because I saw a lot of unfamiliar accounts. I credit has been comprised and a lack of privacy has transpired. I too have a right to privacy,
Product: Mortgage

On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. 
I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello! I had a federal student loan ( XXXX ) and consolidated them in 2005. My balance at the time was close to {$31000.00}. I have been making regular payments since that time and my debt has only gone down to roughly {$27000.00}. I pay between {$9000.00} and {$11000.00} a year in finance charges and am having difficulty paying it off. I have called numerous times to try and lower my interest rate but I missed a payment back when I combined the loans and they said it disqualified me from the interest reduction. I also can not transfer it to a lower interest rate. I am currently paying 6.75 % interest. In the past, I have called for different payment options to pay it off faster and they directed me to the graduated plan. I recently called for loan forgiveness and AES said that I have to pay {$250.00} for the next 11 years and that is their loan forgiveness program. I have already been paying for 11 years. I had XXXX then transferred to XXXX and then XXXX and then they sold me to AES. Thank you for any guidance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019 I had my debit card information stolen and two fraudulent transactions were made in my name using that information. One charge was for {$99.00} and the other for {$99.00}. I submitted a fraud claim within the allowed time window of 48 hours to Chase banking. I was told today that claim was denied for three reasons.

1. They used my PIN number and, apparently theres no way they would know my PIN number ( I guess they arent up to date with key tracking technology. ) 2. I checked my account twice before calling in the fraudulent activity, apparently double checking my account before I call isnt allowed.

3. There were previous charges at that location that werent submitted as fraud. Yes, I bought gas there ... ..thats when they stole my information ... ..obviously ....

This reasoning is just absolutely inane and obviously put in place by Visa to keep us in debt and penniless while they dont have to pay claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX/XXXX/XXXX, XXXX, XXXX XXXX
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. 

Account name : XXXX Account # 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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a XXXX XXXX account on my credit file across Equifax and XXXX. Despite prior disputes and Equifaxs claim that the account is not present in their report, this account remains inaccurately listed. XXXX XXXX has failed to provide any verifiable evidence to validate the account and has not fulfilled their obligation to properly investigate the dispute. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), which mandates that furnishers of information must ensure the accuracy of reported data and investigate disputes thoroughly.
Product: Credit card or prepaid card

Good afternoon, I was charged a late fee on my XX/XX/2020 statement. I was not aware that a payment was due because I did not receive a statement. I have always paid Bank of America on time. I wrote a letter to the bank, but they refused to refund the fee. I have already made full payment.
Product: Debt collection

Letter receive at my residential address dated on XX/XX/2023 from American Coradius International LLC  ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) attempt to collecting {$32.00} for creditor " XXXX, XXXX ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International LLC. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you may have been a victim of identity theft. The e-mail address provided to us by, XXXX XXXX XXXX, does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided XXXX with a copy of this complaint and our response. XXXX, XXXX XXXX, have any questions, we kindly ask that they contact, XXXX XXXX XXXX, and allow them the opportunity to address any additional concerns they may have.

Thank you for bringing this matter to our attention. We apologize for any inconvenience that we may have caused. 
Sincerely, XXXX XXXX Director, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " XXXX XXXX '' prior to receiving this letter nor it's possible for me to incur any debt from XXXX XXXX in the past. Furthermore, the creditor " XXXX XXXX '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " XXXX XXXX '' ) is easily found from XXXX 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible stress endured causing by such practice from this company.

Please see to an end for such practice.

Thank you An concerning Federal law enforcement employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Texas Debt Collection Act. In Texas, debt collectors only have four years to collect on debt the statute of limitations on debt in Texas, the clock starts ticking when you fail to make a payment to the original creditor. Texas civil practice and remedies code 16.004 I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that I they have an account of mine in collections from an account opened under the name of XXXX XXXX XXXX back in XXXX, and after reviewing my credit indeed it was showing as showing on my collections tab. 

Any ways, in the letter it stated : in addition weve concluded that we are not currently reporting your account to the credit reporting agencies. But, in my credit report it shows that payments have been missing on negative status affecting my credit since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Is this is some type of XXXX that they are using? ( See attached documents ). 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX ( Also, this debt collector company shows on all three of my credit bureaus with different addresses ) Please remove this from my account immediately, from all three of the credit bureaus. 

Thank you, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two personal loans on my credit report from XXXX. I have no idea what these are or the amounts. The loans have no account numbers on the report and XXXX is no help. the loans are for {$18000.00} and {$27000.00}.
Product: Credit reporting or other personal consumer reports

To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; XXXX. Misrepresentation by School Advisors : During my time at XXXX XXXX XXXXXXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting my third request to eliminate the following entries from my credit file, which are purportedly the result of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to effectuate removal no later than four business days following XX/XX/XXXX. I have previously raised this matter in a formal complaint and am reiterating it here along with the new identity theft report # XXXX. Additionally, certain data provided herein is unfamiliar to me, and some items have already been expunged by other bureaus, casting doubts on their accuracy. Kindly proceed with the removal of the following items associated with alleged identity theft : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX  Date opened : XXXX XXXX, XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Failure to comply with this request will result in legal action. I have apprised my legal counsel of my intentions, and they are prepared to pursue legal recourse for your deliberate noncompliance. This serves as another warning.
Product: Mortgage

I have been unable to contact an AmeriHome Mortgage representative on the phone regarding their inability to pay either my homeowner 's insurance or the property taxes for our home out of my escrow account. I submitted an online inquiry buy have not yet received a response from them. I paid my homeowner 's insurance out of pocket in the amount of {$990.00}, since it was already past due on XX/XX/2020. I also submitted with my inquiry to the company the only property tax information on our home that I could reasonably obtain online on the weekend. 
I requested to be reimbursed for the homeowner 's insurance from my escrow account, and that they also promptly pay the outstanding property taxes out of the escrow account before any late fees are assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the false, incorrect, and misleading information on my consumer report have been unsuccessful. These entries have seriously disrupted my life, causing substantial distress. I emphasize that I never approved this information 's association with my name, as I am an identity theft victim.