23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted an application for a Income Driven Repayment for my Parent Plus Loan on XX/XX/2023 and also a consolidation loan application. When I login to my FAFSA account it shows that the IDR application was submitted on that date and is still pending, but the Consolidation Loan application was completed ( which was submitted on the same day ). FAFSA told me that I need to communicate with the fiduciary that was assigned to me. The company is Edfinancial Services. I was able to login to my account with Edfinancial, but it does not show that my IDR application is pending or any confirmation that they have received my IDR application. 

I started trying to communicate with them ( via phone and chat ) on XX/XX/XXXX, wanting to confirm that they are processing my IDR application. I've requested call-backs each week since that time, and have not received any communication. I've started calling earlier in the mornings requesting call-backs, and decided to stay on hold and wait for a representative to answer. These are the calls ( I have screen shots from my phone, if needed ) : XXXX, XXXX, XXXX, 4 minutes, requested call back XXXX, XXXX, XXXX, XXXX minutes, requested call back XXXX XXXX, XXXX, 3 hours 58 minutes, requested call back XXXX XXXX, XXXXXXXX XXXX, 7 minutes, confirming call back prompt XXXX XXXX, XXXX, 3 hours 57 minutes. 
XXXX XXXX, XXXX incoming call while I was waiting on the line with them. I answered and stayed on the line for 22 seconds saying " hello '', but there was no one on the line. 

This is completely an unacceptable business practice, and I feel forced into working with a company NOT of my choice. We should be able to research the financial institutions- and have a choice of the fiduciary that we will be trusting for the next 20 years.
Product: Credit reporting

Experian is reporting inaccurate info about XXXX XXXX. EXPERIAN REPORTS status as a past due amount of {$2600.00}. However, I have uploaded a copy of the deed in lieu of foreclosure document which clearly states the deed is in acceptance of any and all past due balance. They also report that we have a monthly payment of {$410.00}, and a recent balance of {$20000.00}. Last reported on XXXX. I asked them to investigate and followup with XXXX. According to XXXX, they no longer show the account active with no balance. Experian provided dispute findings as remains no change. They did n't even get an updated response from XXXX. XXXX XXXX clearly states deed accepted ias full satisfaction. I have been trying to get experian to correct this for over 60 days..
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would n't take care of it
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I mailed a letter requesting that inaccurate information listed on my credit report be verified. It has been over two months now and I still haven't received any results of an investigation and these inaccurate accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to update credit account information upon creditor submitting it I currently have s auto loan showing on Equifax report with a $ XXXX balance but it should be only {$370.00} balance account in question is XXXX XXXX XXXX XXXX account number XXXX Also thereby s a bankruptcy filling showing that was previously deleted in 2016 the bankruptcy has reappeared along with several account attached to the bankruptcy filing I wasnt given an notice it would be added back and the bankruptcy count has confirmed they DID NOT report this information to Equifax
Product: Student loan

This issue all began when SallieMae stopped auto charging my bank account without notifying me. At this point in time, I was diligently making on-time payments ( while in school as they wouldn't allow me deferment ) so I did not realize that the company stopped charging my account until this happened. When I noticed after two months that SallieMae wasn't charging my account, I called them to discuss this issue. Immediately the response I received was negative. The man I spoke with told me that I was in delinquency for months, despite never receiving notice about it. Additionally, he demanded I pay the full amount or I was to be sent to collections. I told him that I couldn't pay the full amount upfront as it was over {$9000.00}. I told them that I would like to stick to my original payment plan, as I will make the continued payments. He became rude and aggressive and wouldn't listen to me. At this point, my father 's credit was affected and now is horrible as he is my cosigner. I am willing to pay this loan, I just can't pay the full amount. I called several times, but the woman I was speaking to XXXX XXXX ( XXXX ) and at first she told me she would help me with arranging a payment plan, this call was today, XX/XX/23 at XXXX XXXX but I need my father present, at the time he was at physical therapy. I called back at XX/XX/23 XXXX XXXX with my father present and suddenly she told me that I couldn't do the payment plan, and I had to pay {$5000.00}. When we notified her that we couldn't pay that amount on such little notice, she became rude and abrasive and tried to hang up on me without continuing the conversation. This left me feeling dejected and alone in my situation. At this point, I asked for the collection departments number so I can speak to them directly and she wouldn't provide me with any information in regards to them. I am very willing to pay off the amount but I need to do it in monthly increments.
Product: Credit reporting or other personal consumer reports

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that '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. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), '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. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan open in ~XXXX at XXXX  XXXX XXXX ( previously XXXX  XXXX XXXX XXXX ) in XXXX , Indiana that was paid off ( the vehicle was a " total '' after an accident ). The auto loan showed up on Experian as " closed '' but still showed on my credit report. 

Now, when I've checked my credit report online, it's disappeared. I have disputed this with Experian and they've quickly returned the report as updated and complete. Despite the dispute I submitted, there has been no change, on any of the credit reporting companies ' websites, online ( from what I can see ). 

The dispute I made was on ~XXXX and XXXX of XXXX ( this year ) according to my emails ) I " opened '' the dispute again on the XXXX because the closed auto loan still didn't appear on my Experian report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hello, I am contacting you about an issues I am having with bank. I applied for a CD account with Discover bank. I was not allowed to complete the application on line the system closed me out and stated I needed to contact the bank. I did so several days later and when I did I was asked a few questions, the amount, the date I think I applied, the term, and rate. One associate stated she found the application and stated she needed to transfer me to someone else to finalize the application. She transferred me to another associate. When that person came on line she asked for my name and another verification information and then started that she found the application and she submitted it without verifying the information was correct. I asked why it didnt allow me to finish the application myself she said it was for security reasons. She told me I could go online to view the information. I did and saw that the rate was lower than what I selected online when I was trying to submit the application. I called the bank back and spoke to two people on associate and a supervisor who told me that I couldnt close the account until seven days later and that I would lose any interest that was accrued. That I told them was unacceptable since I did not make that error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. WAYPOINT RESOURCE GROUP Opened XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX XXXX ( All Rights Reserved )
Product: Debt collection

Subject : Formal Complaint and Dispute Against Collection Agency To Whom It May Concern, I am writing to formally dispute a debt reported by XXXX XXXX XXXX & IC System that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of XXXX XXXX XXXX  & IC System have resulted in undue stress and potential harm to my financial standing. I request immediate investigation and corrective action regarding their conduct.

Violations Cited : 15 USC 1692k ( a ) ( 2 ) ( A ) Statutory DamagesThe collection agency has engaged in unlawful debt collection practices, warranting statutory damages under this provision. The harassment and misrepresentation tactics they have employed justify financial penalties for their noncompliance.

15 USC 1692k ( a ) ( 3 ) Attorney Fees and CostsGiven the agency 's blatant disregard for consumer protection laws, I reserve the right to seek legal counsel and recover any associated costs resulting from their illegal actions.

15 USC 1692d Harassment or AbuseThe collection agency has subjected me to unfair and harassing collection tactics, including [ list specific instances, such as repeated calls, threats, or abusive language ]. Such behavior violates my rights and is prohibited under federal law.

15 USC 1692e False or Misleading Representations [ Collection Agency Name ] has provided deceptive information regarding the alleged debt, including [ mention any inaccuracies, false threats, or misrepresentations they have made ]. This violates federal regulations and undermines fair debt collection practices.

Request for Resolution : I request that the Consumer Financial Protection Bureau take immediate action to : Investigate the practices of XXXX XXXX XXXX & IC System.

Require the agency to cease all collection activities related to this disputed debt.

Remove any inaccurate or improperly reported information from my credit file.

Impose penalties for violations of federal law.

I request written confirmation that this matter is being reviewed and that appropriate action will be taken.

If this issue is not resolved promptly, I will explore all legal avenues available to protect my consumer rights, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes.

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

On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

On XX/XX/2022, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, XXXX XXXX, 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  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian, XXXX  and XXXX  actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask to have my account verified and they did they stated everything was accurate which it wasnt after doing my own thorough research myself and found several inaccurate information on my report which they claimed was verified and obviously did not, my account reflects that this account was open in XX/XX/XXXX which is incorrect This account was open, XX/XX/XXXX which giving me a unfair chance on path to better credit and if this doesn't get resolved by being remove from my report ill be forced to take this to court In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management 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.