23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Reason for Dispute : Inaccuracies with the Status, Late Payments, and Reporting Dates between XXXX.
Product: Debt collection

Debt Validation Notice ( 15 U.S.Code 1692g ) XX/XX/2022 Re : ACCOUNT NUMBER : XXXX Dear, Great Lakes Educational Loan Services , Inc . 

I am a natural person and federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). This is my written notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Student loan

Hello, This morning ( XX/XX/XXXX ) I called Mohela to understand how any qualifying payments I have made to my student loans. I was told I have 21 years remaining ( having entered into repayment status on XX/XX/XXXX ) and have been in forbarence for all of those years, despite making payments. I strongly believe there is a discrepancy. I do not believe I have 21 years remaining and do not believe I have been in forbarence for the majority of the time. The representative transfered me to another representative who said I have 16 years remaining. I am unsure about this number as well. 


I am unable to get an answer on how many qualifying payments I've made, what changes to forbarence will be applied, and when my last payment would be made. I have also followed up with an email. 

My call was dropped when they went to transfer me to yet another representative and I did not receive a call back. 

Could you please assist with this discrepancy? 

Also, in order to change to the REPAYE program, I was told I had to make a one time payment of around {$1000.00}, which I did during COVID. I am now reading that perhaps this was not required and I should not have had to pay to move to a different repayment plan. Could you please advise?
Product: Credit card or prepaid card

On XX/XX/2021, Company called to lower my interest rate on my credit card through financial institution. Transferred me to major Credit card issuing company. Did not asked to verify my information, stated they could lower my interest rate to 6 % because I was a good consumer. I asked which of my various credit cards have the largest balance. Gave lowest balance. They gave just enough verifying information to seem authentic, verified some personal information with them, then verbalize that I was no longer comfortable.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted to CFPB, Identity theft complaints and documentation to XXXX, Equifax and XXXX. FCRA states they have 4 days to remove those items and they have done absolutely nothing. These credit agencies are not abiding by the law and theyre 3rd party affiliates. I am going to be opting out of all XXXX systems indefinitely because I dont feel they care about consumers just about making money with the companies they violate laws for.
Product: Debt collection

XXXX XXXX allowed someone to use my social security number to purchase a cell phone. The individual resides in another state. XXXX XXXX reported me to the collections agency. As a result of their neglegence, my credit score has decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has two accounts reporting that are not mine. After disputing this inaccurate information with the CFPB, XXXX XXXX XXXX has increased my balance by {$46000.00} from {$5100.00} to {$51000.00}. 

This is outrageous, because the account is not mine as I have been incarcerated and proof has been submitted, however increasing the limit to report by XXXX is unreal and has caused my score to drop over XXXX points. 

Please remove this invalid and inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.
Product: Student loan

I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX Santander Consumer USA is still reporting an account on both my credit report and my husband. We feel like we are being harassed by this company. We tried to fix this with both Santander and the Credit Bureaus to delete this negative item from our reports. Santander sold the previous loan to a debt buyer and continues to report negative information against us as if they still own it. Also, this loan was included and discharged in a joint XXXX  XXXX bankruptcy in XX/XX/XXXX. Santander has no record of our social security numbers in their system as if we don't exist, but for whatever reason still manages to remain on our credit report as a charged-off account for something they can't seem to locate in their system. How is this possible or even legal? Please help us with this matter because it is ruining our credit. 

Thanking you in advance.
Product: Credit reporting

I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.
Product: Credit card or prepaid card

I was called by Capital One for a fraud alert, asking if I tried to open up a credit card. I currently use Capital One for Checking And Savings Accounts. I informed them that I was not and to cancel the account and I proceeded to freeze my credit with all 3 credit bureaus.I noticed there was a hard inquiry on my credit report. I was instructed by Capital One to dispute the Hard Inquiry. After I disputed it, I was informed that Capital One stated that it was factual. I want the Hard Inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experience has been given my correct address multiple times. They convertly try to say theyve made changes while keeping all information the same. They send me emails stating information is changed and yet its not. They then try to charge me to update my file when they have finalized to correct it. I will not be paying for another subscription update my credit file while they continue to report fraudulent information
Product: Debt collection

In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. 
Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used my credit inproperly by telling other credit bureaus that my credit was reporting late payments and also accessing my credit score without my knowledge being locked and my account has been locked since I been reporting has been used improper XXXX to companies making them close accounts of all my creditors and I been paying on time with accounts are all coming out of my accounts. Experienced has contacted all three credit bureaus and told then I paying late on my accounts and they are not late at all. They has been fraud reported on my account in letting people access credit in my name and I locked my account and always be ; locked but every time it shows someone tried to get credit in my name. There has been reporting wrong to all credit bureaus tha5 my account is not paying on time and that is a big lie! All my accounts are paid on time and they had other credit accounts closed on my account according to all my creditors and they all had told me like XXXX  XXXX, XXXX,, XXXX  XXXX, and many more and it shows o paid them on Time and my account has been compromised by experienced with lies and things that are wrong to other credit bureaus all had told me that expertise contacted them like TransUnion and XXXX both told me that experience reported to them my accounts are XXXX and they are not made them closed all my accounts paid o t8me.
Product: Consumer Loan

Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.
Product: Credit card or prepaid card

Step 2 : What type of problem are you having? 
My due date is XXXX of XXXX my payment due is under {$30.00} I made a payment on XX/XX/XXXX for {$80.00} after being told by a best buy representative that the payment of {$150.00} was processed on XX/XX/XXXX but the payment of {$27.00} was due for XX/XX/XXXX. 

Step 3 : What happened? 

Upon calling the automated system XXXX I saw that a payment was still due for XX/XX/XXXX I called a rep of Citi cards that inforned me that the statement hadnt fallen when I made the XX/XX/XXXX payment and she would not be able to fix the system so that I wouldnt get a late fee. Upon speaking with a supervisor which very rudely explained that the new statement drops on XX/XX/XXXX but was unable to provide any understanding as to how the rep saw the statement/payment due before the statement dropped and very rudely herself pushed me to make a payment one day before it cycled as due. When I asked about the XXXX payment and why it hadnt gone toward XXXX, she answered in a very curt tone saying she knows nothing about how payments are accessed. I would need to call Citi bank Step 4 : What company is this complaint about? 
Best Buy/Citi bank
Product: Debt collection

I had a gym membership ( XXXX XXXX ) and due to covid was unable to use the membership. Once the establishment was re opened I went in to cancel my membership in person. The receptionist said the person who could cancel my membership was not in therefore gave me a email address which was incorrect I reached out several times with out any assistance. First credit services reached out to me and I provided email documentation to them as proof that I asked for membership to end. They ( first credit services ) did not respond either. I received a letter and disputed the validity of the debt and still did not receive any proof that I indeed owed the debt or the questionable amount. I feel that both the original creditor and collection agency are taking advantage of people during a vulnerable time. I was current with my membership and paid for the last month in advance. I do not owe any money for a membership that I tried several time to cancel because I felt that my health was at risk. There has been no action taken to rectify the issue. As a result my credit has been damaged for something I do not owe.
Product: Student loan

Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring  break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX  XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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