23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated college in 2011 with about 25,000 in debt. I was misled regarding student loans by sallie Mae now navient as they told us that my mother could co-sign but later be taken off when I demonstrated that I could pay consistently for a period of time. We were also misled about rates and repayment options causing us to accrue thousands and thousands of additional debt. I have now paid my loans consistently for years and owe over 40,000 of debt. My mother is still a co-signer and we have been told now that she will never come off as a co-signer. This company misled us causing thousands of dollars of debt that should be repaid.
Product: Debt collection

Formal Complaint Against YCCS 1. Around XXXX XXXX XXXX & XX/XX/XXXX and XXXX of XXXX YCCS insisted that I must sign a payment arrangement of {$300.00} a month before they would contact the XXXX XXXX XXXX ( XXXX  ) to lift my license suspension. I was unable to afford this amount. 

2. Recently on XX/XX/XXXX the agency agreed to a payment of {$20.00} without requiring me to sign any agreement and subsequently called the XXXX to lift my license suspension. This shows inconsistency and possible bad faith in their initial requirement. 

Impact of the Agencys Actions - Tickets and Fines : In the interim, I was pulled over several times and issued tickets for driving without a valid license couldn't transfer car into my name because of no license. 

- Employment Issues : Due to the suspension of my license, I was unable to secure employment, leading to financial hardships. 

-Emotional and Financial Distress : The stress and financial difficulties caused by this situation have had a profound impact on my life and well-being. 

-Recorded Evidence : All communications between myself and the collection agency were on recorded lines on their end. I am currently in the process of obtaining copies of these recordings as evidence. 

Request for Resolution 1. Review and Action : I request a thorough investigation into YCCS for their deceptive practices and misrepresentation. 

2.Compensation for Damages : I seek compensation for all ticket fines, lost wages due to the inability to secure employment, and emotional distress caused by this situation.

3. Remedial Measures : Implement corrective measures to ensure YCCS adheres to lawful and fair collection practices in the future.
Product: Payday loan, title loan, or personal loan

I chose this category because it was the closest one that applies. 
I purchased a pickup truck in XXXX of XXXX in XXXX  and got a loan through US Bank which was chosen by the dealer. I got a title in XXXX  and registered the vehicle as usual. In XXXX  the title is issued to the vehicle owner with a lien by the bank until the loan is paid off. After a couple of years I moved to XXXX, became a resident and transferred the registration to XXXX.  In XXXX the bank holds the title until the loan is paid off. Three years later I moved back to XXXX, became a resident and tried to register the vehicle. The courthouse in XXXX  requested the title from the bank by submitting a formal written application. The bank refused to give them the title stating that it is bank company policy to not do state to state title transfers and will hold the title until the loan is paid off if there is less than 6 months left to pay off the loan, which in this case is less than six months. The courthouse has made phone calls to US Bank and I have made calls talking to no less than three customer service reps plus a customer service manager. All have denied giving the title to the courthouse with the same reason as stated above, their company policy. This process was started near the end of XX/XX/XXXX and the bank still won't budge. My temporary tag expired and the courthouse said they can only issue one. Therefore, I can't legally drive my truck. I filed a complaint with a local US Bank in XXXX and he said it would go to a special customer service department because I claimed they were acting illegally. It is still going to take too long to resolve this plus resolving this issue for me doesn't fix the root cause of the problem for all consumers.
Product: Debt collection

A balance of {$2100.00} was reported on my credit report because someone was going to the hospital under my name, which is fraud and I currently have XXXX insurance. it says it was open XX/XX/2020 for about 2 months now.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS IN VIOLATION OF 15 u.s.c 1681a ( 2 ) ( A ) ( i ) of THE FCRA FOR ILLEGALLY REPORTING TRANSACTION HISTORY ON MY CONSUMER REPORT.

Experian it is illegal to report transactions history on a consumers credit report, by willfully reporting illegal transactions history on my consumer report you violated the Law of the FCRA, Experian your company compliance department are aware of this violation of furnishers and users agreements being that you Experian hat to sign an agreement stating that you would comply with all State and federal laws.

I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, & my character.

Experian unfair system, is predatory and life ruining and has prevented me from obtaining the credit I need to purchase consumer goods and services for personal family and household use.
Product: Credit reporting or other personal consumer reports

I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or neither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXXXXXX See ATTACHMENT THIS IS A FRAUGLENT ACCOUNT.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX-XXXX-XXXX Company Info : Account # XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX I have never done business with Portfolio Recovery XXXX I do not have a signed contract not any contract with Portfolio Recovery Associates. I have the right to demand to see a signed contract between Portfolio Recovery and myself
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I'm an editor on the utility journalism team in XXXX. In XXXX, my wallet was stolen out of my purse at a bar. A few weeks later, I found out I was the victim of a ring of persistent serial identity thieves and that the banks, credit bureaus, and police weren't going to do anything to help me. I write a personal finance newsletter to all credit bureau also contacted Lexton law for help. I use free credit monitoring. I have unique passwords and two-factor authentication on all my financial accounts. The only personally identifying piece of info in my wallet was my driver 's license. I never would have thought that this could happen to me.over XXXX in debt
Product: Credit reporting

The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.
Product: Credit card

My Walmart charge card keeps posting charges then uses these same charges as a pending hold as well. So my card shows XXXX charges. XXXX that has completed & XXXX that is pending in the same amount. They refuse to release the hold on the day the charge was completed & hold the amount as a pending hold for XXXX business days. They are also saying I have no credit limit left when the balance shows there is credit available.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : 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  As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


Regards, XXXX XXXX
Product: Credit reporting

I have been disputing several accounts with Experian for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Experian are violating my rights under this law. I sent out two separate letters to Experian and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection Account : XXXX XXXX opened XX/XX/XXXX
Product: Vehicle loan or lease

I brought a XXXX XXXX XXXX on XX/XX/XXXX in which time I was issued temp plates through Carvana, LLC. On XX/XX/XXXX I call Carvana to locate my Plates, after speaking to the service dept. I was told someone from the local office will be calling me to tell me the plates was going to be XXXX XXXX  that day. Once receiving that call from a local employee by the name of XXXX. She explained that there was a mistake with the mileage on the title and until the mileage is corrected I would have to wait for it to be changed. So I received another set of temp plates under 30 days as an EXP date. As of XX/XX/XXXX I have yet to receive my Plates and registration for my truck and the temp plates are about to expire AGAIN on the XXXX of XXXX. I spoke to two Reps. Today that stated that they are working with their registration Dept. to correct the problem and find out whats the status. I was told that they are on hold with that Dept. and will call me back with an update which I haven't heard anything back as of yet. Mine you, I already made my 1st payment and my second is due soon with no Hard Plates or registration as of yet. I dont understand why is the process taking so long to be completed. Its been 55 days since I received the truck and nothing is being done about getting my plates to me! I need someone from the corporate registration dept.to call me with an update as to where are my plates and registration?
Product: Student loan

I was told by Sallie Mae that forgiveness is available for my PRIVATE college loans, but have had difficulty in getting clear, precise information,, I have read and been told that forgiveness for private loans doesnt exist, Sallie Mae told me after 80 monthly payments the remaining 60 % of my college debt would be forgiven,, I am trying to determine if this claim is legitimate before signing a loan with Sallie Mae
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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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: Debt collection

experian say they need number XXXX XXXX XXXX XXXX amount {$910.00} XXXX XXXX XXXX acct XXXX XXXX amount {$660.00} XXXX XXXX XXXX acct XXXX XXXX amount {$640.00} reporting same acct two different amount XXXX XXXX acct # XXXX chargeoff XXXX origanal credit XXXX bal XXXX that what reporting on my credit XXXX XXXX reporting as a debt buyer never heard of them acct # XXXX amount {$670.00} XXXX XXXX  acct # XXXX who are they or they license in sc send me a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact synchrony for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/walmart XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter from Toyota Financial Services dated XX/XX/2018 where in the Crux of the letter states that it has not received any unspecified required documentation and that they are unable to process my claim. 
On XX/XX/2018 I notified Toyota Financial Services of the total loss happening to a XXXX XXXX XXXX on several occasion I spoke with Representatives at Toyota Financial Services the dates are as follows XX/XX/XXXX XX/XX/XXXX XXXX the XXXX XXXX XXXX and multiple times throughout XXXX on XX/XX/2018 I was instructed regarding the claim number on XX/XX/2018 I spoke yet again with a Toyota Financial Services representative informing me  everything 's received in that was needed except for the premium warranty monies from the cancellation and that money is must be refunded in order for The Gap to pay out to Toyota Financial Services I want to XXXX XXXX XXXX request a cancellation of the warranties I am in receipt of those warranties that have been canceled and for those two Toyota Financial Services I've never received any communication from Toyota except for today stating that they may not be able to process the claim I've caught on numerous occasions and also filed a complaint with the Department of Insurance as well and the United States Attorney General and the California Attorney General along with the XXXX XXXX XXXX Toyota is a crooked operation
Product: Credit card or prepaid card

This unemployment nightmare with Iowa unemployment and Bank of America. BOA treated me like XXXX. My claims were ignored they shut my account over 7 times after submitting a claim were XXXX withdraw never came out. Both iowa and BoA called me a liar on several occasions, but it was proven by atm provider that unfairly discrimination during XXXX in Iowa. Review attachment. This account has been closed. BOA keeps sending me notices over 2.5 years saying that they final decided to reverse their initial hearing and denying me several claims that in XXXX were denied. They are claiming that a dispute was dated in XXXX. See the statement attached. This has been so horrific and I list my house during all of this. Iowa unemployment is just has guilty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prof Dept inaccurately and reaging added 30day late payment to my account. XXXX, XXXX, and XXXX has not deleted this account despite multiple inaccuracies with this debt collection agency.
Product: Credit card

I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries/account. XXXX and remove them. 
15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/92 Charge off ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US Dept of Education : XXXX XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION CEASE AND DESIST Navient XXXX XXXX XXXX # XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Navient, I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting this debt until you have provided validation of the debt. 
Additionally I request that you do not access my credit report or report anything to credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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

I've tried opting out.The company states they don't give the option to opt out. The company Is still reporting my personal information without my consent. Per the XXXX as a federally protected consumer, I am now opting out of any and all authorization. I, the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 1602.