23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was not made aware of the halt to my repayments due to " covid 19 '', when I found out that my loans were not being debited out of my account the servicer company " fed loan serv. '' Had been dissolved, and there was no information for me to find. Then when payments were magically put back into our lives i was given to a new company, with no ability to agree or disagree with any of the charges. I magically owe more than I did when payments were stopped, not to mention the debts would of been paid off during the supposed " pandemic ''. I have not been allowed to speak to anyone on this matter nor has the secretary of edgucation or department of edgucation properly replied to my letters or messages. " President Biden '' was given the power to allow a deferment not the power to require it. In doing such I have been denied the right to own property and my federal loans were altered without my knowledge or approval. This has not only broken the civil rights of every borrower in the country but also put every last one of us in a bind. I stand firm in my right to ask for a hearing or meeting in witch I can protest the unlawful and down right hateful actions of the prior administration and the actions that followed. I did not need help or forgiveness I did nothing wrong. I needed to pay my debts so that I could better my life. The agencies involved decided that my money was not good enough to pay my debts they denied my legal us currency and should be held accountable to the standards we the people are required to live by. Oh and by the way I'm a XXXX vet... I shouldn't even owe anything in the first place! Please give me a hearing date with nelnet and a federal judge to present my case so that I can resolve this issue in the legal way not by what I'm being forced to comply with without just cause.
Product: Credit reporting or other personal consumer reports

Bank of America Dispute Resolution Department Subject : Dispute of Unauthorized Credit Card Transactions and Reporting Account Number XXXX Dear Bank of America Dispute Resolution Team, I am writing to formally dispute the reporting of unauthorized charges on my credit card account with you. My credit card was stolen and subsequently used without my authorization. I promptly reported this theft to the XXXX XXXX Police Department, and a police report was filed under Report XXXX XXXX. A copy of this police report has been previously sent to your department. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have inaccurate or fraudulent information removed from my credit report. Despite providing you with the necessary documentation, my account continues to be reported with the disputed charges. This ongoing reporting is a violation of the FCRA, as well as a misrepresentation of my credit history. 
Please consider this letter a formal demand to immediately cease reporting these unauthorized charges on my credit report. Additionally, I request that you provide written confirmation once these inaccuracies have been removed. If this matter is not resolved promptly, I may seek further recourse as permitted under federal law. 
Thank you for your prompt attention to this urgent matter. I look forward to a swift XXXX XXXX social Security number XXXX
Product: Debt collection

Obtained contract with a company by the XXXX XXXX of which they have a debt collection company called Denefits. Denefits would call me to collect an amount owed from the original contract in which XXXX XXXX had not performed any services they were hired to perform. XXXX XXXX was hired to build business trade lines of credit for start-up companies by establishing Net 30 and 90 accounts which again the trade lines were never established. Denefits would start an aggressive campaign to collect the amount owed, which led to my filing complaints with the XXXX  and the attorney general office. The results would end in the cancellation of the contract and the promise of removing the debt from all of the credit reports, which is currently listed on all three reports and has not been removed. Received a copy of the letter that was to be sent to have the information removed but it has not been sent. The credit reporting agency received a dispute of information and stated that the information was verified.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights.

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in a national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed. I have submitted the FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXXXXXX XXXX XXXX XXXXXXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Debt collection

I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called Reliant and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from Reliant asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.
Product: Checking or savings account

With both Bank of America and XXXX, when I deposit a large check, they take over a week to verify it, and move it into an interest yielding account. I did research to find this information. 

Most recently, the IRS sent me a tax return on XXXX, and Bank of America said they had to " verify '' the check and it would take over a week. Every other check I deposit is instant. 

This is an ongoing scandal with banks. I did a massive amount of research to figure all of this out. It is wrong.
Product: Mortgage

People 's United Bank purchased my mortgage from the originator and began servicing my loan. When I contacted People 's to create an online banking profile to make payments, I was unable to do so until after my first payment because of the process to create an account online. I again had to call when creating the online profile because the information for creating the account was neither helpful nor intuitive. When I created the account they had my phone number listed incorrectly as my employer 's HR line so I removed the phone number and attempted to correct the phone number but was not allowed to do so online. When I called to change my phone number, the representative told me that I could not change my phone number with them on the phone or through the website and would need to print and mail a form. Furthermore, I was told that I could not make payments to my loan through the online portal unless I had a checking account with them, and that there was no way to make recurring electronic payments. The process of having an online account was a pointless runaround and my servicer will not allow for recurring electronic payments, which is not only extremely inconvenient but increases the risk that payments will not be made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$3100.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a timeshare mortgage with XXXX XXXX in XXXX XXXX, NJ. I am actively working to legally get out of my contract with a timeshare release company. XXXX  has been notified and has been corresponding with me and the company about the timeshare release agreement. However, XXXX  under the name XXXX XXXX XXXX recently reported my account as past due to the Experian credit bureau. I was not even notified about this until my credit was ran for an unrelated matter. The delinquency for XXXX XXXX only appears on one credit bureau, Experian. I have contacted XXXX and XXXX XXXXl ( who is their third party billing company ) to dispute the balance they have stated as outstanding. XXXX  is claiming I owe them {$6200.00} but this is inaccurate. I have been paying a fixed monthly payment of {$110.00} from XX/XX/XXXX to XX/XX/XXXX. This payment was withdrawn automatically from my credit card each month. I have monthly credit card statements to verify it was being paid. The original amount financed was {$6000.00}. So, I can not understand how I could owe them more than what my contract states if I have been making payments for almost 2 years. I called XXXX and they would not explain it to me or provide me with a breakdown of how they came to this amount. I requested a copy of the billing statements they claimed to have sent me and the person I spoke with told me to call their legal team and would not assist me any further. I have a right to question the validity of the debt that is put under my name and tarnishing my credit. If XXXX XXXX are not willing or uncooperative in providing this information, I want the delinquency removed from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY FINCL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX  & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.
Product: Debt collection

IN REFERENCE TO ACCOUNT XXXX XXXX COMPANY REPRESENTATIVE AGREED TO IMMEDIATELY REMOVE AND DELETE ACCOUNT FROM ALL CREDIT REPORTING AGENCIES UPON RECIEPT OF PAYMENT TO THIS ACCOUNT PRESENTLY COMPANY HAS FAILED TO FULFILL ANY OF THE ACCEPTED TERMS OF PAYMENT.
Product: Vehicle loan or lease

My complaint is against Santander Consumer USA, I have bought car in XX/XX/XXXX at {$15000.00}, I have been paying car note for & 7 years and my balance have only went down to $ XXXXMy contract date to be paid off is XX/XX/XXXX.I believe at this point the balance I owe is fraudulent and this situation needs to be resolved.Also the copy of my payment history you gave me starts on XXXX when payments actually started in XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is an inquiry on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX  - XX/XX/year> XXXX
Product: Checking or savings account

All of the charges below I did not approve and I did and Initial dispute with my bank and I was told that and investigation Will happen and I will get a written notice when the investigation was complete but I never got any notices or letters and I waited 14 days to get a provisional credit but on XX/XX/2022 I was only credited with XXXX dollars of the money that was stolen from my account and when I called my bank they told me they only found and error for XXXX dollars and the rest was approved but it wasnt by me I DID NOT APPROVE THESE TRANSACTIONS BELOW I NEED HELP PLEASE!! I am not able to pay my rent next month because I have no money in my account - {$660.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$880.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$290.00} Debit : Signature purchase from XXXX XXXX XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$290.00} Debit : Signature purchase from XXXX XXXX XXXXXXXX XXXX CA US XX/XX/2022 at XXXX AM XXXX ending in XXXX - {$50.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX XXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$990.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX XXXXXXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$25.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX  XXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$880.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXXXXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$440.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA XXXX XX/XX/2022 at XXXX PM XXXX ending in XXXX
Product: Credit card or prepaid card

Unfortunately, due to a hardship I fell behind on my discover card payments and was no longer able to afford the monthly amount. They have now sent this to a 3rd party collection agency ( Zwicker and Associates ) who brought me to court over the debt. I have tried numerous times to enter into a voluntary monthly payment but they will only accept a lump sum pay off. 

On XX/XX/XXXX I spoke to XXXX a rep at XXXX about my situation. Advised I could hardly afford an extra $ XXXX let alone XXXX. I once again explain the details of my hardship at which point she offers me a payment of {$34.00}. I agree. Days later I get a letter in the mail that the payment is for {$3400.00}. I call immediately on XX/XX/XXXX and XX/XX/XXXX and leave messages on my reps direct line. No one ever called back. Of course the payments dont go through cause I dont have it and now Im charged all these returned payment fees. Still no call. I finally reach out again and they told me the agreement was for that amount and was noted as such in their system. I advised thats not at all how the conversation went and asked them to send me the recording. They advised Id have to send that request via writing, so I did. They advised theyd listen to the recording. I have yet to hear back or receive the recording and prior to terminating the call I asked again if there was any reasonable voluntary arrangement. XXXX the manager said no, other than the balance in full theres not.
Product: Credit reporting, credit repair services, or other personal consumer reports

another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. 
new credit card See your offers 2collections Total balance : {$840.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$490.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX owl-branch When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. 

Negotiating the debt Disputing the debt Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. 
4inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX  credit file is unlocked. 
Locking your credit file can help prevent unauthorized access. 
file unlocked More on XXXXXXXX Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for two years but only impact your FICO Score for the first year. Also, FICO may group loan inquiries together so you aren't penalized for shopping for a better rate.

0public records This is where public records, such as bankruptcies, would appear on your report. 

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Learn more FAQs What is a credit report? 

What is included in a credit report? 

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Will checking your credit reports hurt your credit score? 

When is your XXXX credit report updated? 
SEQUIUM ASSET SOLUTION Original creditor : XXXXXXXX XXXX Balance details 0 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$350.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name SEQUIUM ASSET SOLUTION Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I have previously disputed the original Debt as fraud with XXXXXXXX XXXX XXXX and account was closed and removed a few weeks later this company pops up seeking same debt that was removed as fraud this company needs to come off all 3 credit bureau reports