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

Equifax continues to report a collections agency XXXX XXXX  on my consumer credit report when I have never done any business with this third part collection agency and this collection agency was never obtained authorization or consent to furnish or obtain my private source data. I sent certified request to Equifax as well as XXXX XXXX with no response. Ive filed several disputes acknowledging the federal violations and there still has been no response. Ive now filed a claim with the ftc for fraud. I never gave consent to either party to have or use my private source data
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, XXXX XXXX, IC Systems for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$500.00}, {$1500.00}, {$400.00}, {$1000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian crashed my report after fraudulent activity by XXXX points. When I disputed incorrect information, they did not correct it nor did they give me the origination of the incorrect information so that I can report fraud. I believe Experian and even other credit institutions are given too much freedom. Experian has a real site and they have a false site. Credit card and loan companies from other countries are using experience to pull credit information and they are incorrectly using my information to determine creditworthiness and eligibility while maintaining false records. I have multiple loans on my account that do not belong to me. For example student loan that was taken out in XXXX  when I was not even enrolled in school using my social security number and my identity. Experian is also showing that I have eight vehicles in my name and the one that I actually have in my name legally by the state of Michigan is an even shown. How how can all of this be untangled? Experian is the real problem. I can't even get into my XXXX or Fico without paying an enormous fee. When are these XXXX going to be held accountable for stealing American citizens identity? I can't even explain how pervasive this is. It's possible that there are people robbing state governments with this type of activity. It is possible that dummy corporation have nothing better to do than to ruin American lives. Please help me I don't know where to go and I don't know how to start this. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.
Product: Debt collection

In XXXX, I opened a double cash credit card with Citibank. This card with a maximum limit of XXXX was closed by CITI on XX/XX/XXXX ( see attachment for proof ). I made a payment of XXXX to the card on XX/XX/XXXX and XXXX ( full balance ) on XX/XX/XXXX. Please see attachments for proof of closure, proof of payment of citi card by XXXXXXXX XXXX XXXX XXXX for Statement Period : XX/XX/XXXX to XX/XX/XXXX. 

I was not aware of the card closure until AFTER the payments were made in XXXX, and attempted to contact CITI in XXXX via email to ask them why they would close my accounts when they were fully paid off and why they were continuing to try to collect monthly payments from me when they were the ones who closed the account. They never responded. 

After this, CITI continued to charge my checking account for hundreds of dollars a month through the end of XXXX ( see screenshot of charges from XXXX ) despite full payment of the card in XX/XX/XXXX AND CITI CLOSING the card and account in XXXX of XXXX. Now, I'm receiving debt collection notices for $ XXXX. The total charges by CITI on my checking account after the card was fully paid amounts to {$2800.00}.
Product: Student loan

1. My student loan was in non payment status because I was in college on a half time basis.
2. I have XXXX ongoing medical problems which require XXXX-XXXX medical appointments per day depending on my symptoms. 3. Last XXXX, 2017, I was unable to walk.
4. Several medical found XXXX additional medical problems. 5. Therefore, I was unable to return to college and maintain my 1/2 student status which qualifies me for non-payment status. 6. I called Navient and advised that I could NOT download the Income Driven Repayment Plan paperwork at the public library. So, they mailed me the paperwork.
7. To protect my credit, I made 5 -8 calls to Navient. I was assured that as long as I called my status would be fine.
8. In the interim, my health deteriorated. I spent 4 weeks in a health institute 3 hours from my home WITHOUT mail access. 9. When I called Navient in XXXX XXXX, 2017, XXXX XXXX, had no knowledge of the points mentioned in 1-8 above. 10. Concerned about negative credit reports, I asked to speak with A supervisor. I waited 40 minutes. No supervisors available. I was FORCED to release the line.
11. Because of the XXXX medical problems, XXXX mile commut to doctors office, I asked if XXXX XXXX supervisor, XXXX XXXX could call me Mon-Friday between XXXX XXXX Pacific Time . He advised that she COULD NOT and no other supervisors could call. 12. I made 4 calls to other Navient offices including the Navient Consumer Advocate. Also, I sent the Advocates Office an email. Receipt was confirmed by email.
13. Borrowers are left on hold, or forced to release the line after 30 minutes. If we call again, the cycle is ONLY repeated with no resolution or proof we are working to resolve the issue.
14. I had a question about the Income Driven Repayment Plan paperwork and I want the promise that if I call Navient, my credit will not be affected. Please forward my email to their attention.
Product: Credit reporting or other personal consumer reports

Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now. Collection activities shall cease immediately pursuant to 15 U.S. Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : Equifax XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE SENT THESE EQUIFAX DISPUTE XXXX VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. I HAVE NO KNOWLEDGE OF THIS ACCOUNT! THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN! 

MY NEXT STEP IS TO PROCEED TO ARBITRATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX consumer credit Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged me XXXX for apparently a place that Ive never seen or stayed in I have recently disputed it and sent out letter for fraud I be contacted the debt company and they have treat terrible calling me a liar and all types of names when Ive told them this is fraud and I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

I don't understand why cash app closed my account without notifying me. I lost my wallet and someone was using my card and it's connected to my Wells Fargo account. Which I lost a money dealing with both companies
Product: Payday loan, title loan, or personal loan

I made a purchase from XXXX using Affirm for {$5000.00}, with a monthly payment of {$410.00} in XXXX of XXXX. 

Around XXXX I logged into the account with the intention of paying it off in full. However, when I logged in I noticed a credit card and purchase associated with my account/phone number that was not mine. I contact Affirm and filed a fraud/dispute claim. I was told that I would be contacted in 5-7 business days. I was never contacted. But they continue to withdraw {$410.00} from my account every month. 

In the months since I have repeatedly tried to log into my account both through the phone app and online. After numerous ( successful ) two-factor authentications, I am notified that I am locked out of my account. I call Affirm, and each time, after a very long hold time, being disconnected at least once, and going through it all again, I reach a person that will " notate my account '' and I am told that I will be contacted in 5-7 business days. I just got off the phone with them again. XX/XX/XXXX. It is still not resolved, I still can not log into my account. The fraud/disputed purchases are still associated with my account... nine months later.
Product: Mortgage

I was offered an expedited loan modification by the servicer for my mortgage Seterus Inc loan XXXX in XXXX of 2016, I was told that the modification would go through once I made XXXX consecutive payments. I have made all the required payments ( XXXX, XXXX, XXXX ) as well as payments for XXXX, XXXX, XXXX and still I have not received the final document and the modification has still not gone through, I have called the company several times and each time I call I am told that it is being processed -- -the issue has been escalated and yet nothing changes and words on when the process will be finalized
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, Illinois XXXX XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX family of schools was investigated by the board of education and closed entirely last year. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against Illinois XXXX XXXX XXXX, and my Fed. loans are scheduled discharged and my credit repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the practices of XXXX As a consumer, I have encountered several issues that I believe warrant investigation by your esteemed bureau. 

Furthermore, I urge the Consumer Financial Protection Bureau to thoroughly investigate these matters and take appropriate action to ensure that XXXX adheres to all applicable laws and regulations, and that consumers are protected from any further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged-CH XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy Discharged-CH XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old. Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, I have called in 4 times - a total of over 2 HOURS on hold - could not speak to the correct person.

I am again unable to get my credit report from your website - https : //service.transunion.com/dss/disclosureError.page What kind of company do you run where people cant even get through for over 2 hours on 4 separate calls?

I am able to log into that account - but see attached for what I see.

I need access to my credit report immediately - its the law and my right.

Attached to this are : - my drivers license - my social security card - my mailing address - screen shot I see trying to log in
Product: Checking or savings account

My phone was stolen and my accounts were hacked. They stole all of my money out of my account and when I contacted my bank they stated that there was nothing they could do. This has really been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states 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. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and Goldman Sachs ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this morning and have no idea how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Given this situation, I request that the documents I provided be thoroughly reviewed so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.