23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several times about security credit services. XXXX is reporting inaccurate information on my credit report and is in violation of the fair reporting act. XXXX has posted two security credit services accounts that displays negative and inaccurate information such as the amounts, spelling of my name, the amount of missed payments, the original creditors information, date of birth, length of account, etc. These accounts need to be verified or removed from my credit report within 30 days based on federal law.
Product: Checking or savings account

I basically lost my card before I left the us for vacation I saw the transactions 2 days later so I called them & told them they gave me my XXXX & I was good It wasnt until a month later I check my account & its negative with the same amount they gave so I called & told them & they said that happens sometimes & I owe them money now. I also asked what can I do to fix the problem & they never told me
Product: Student loan

Was in a income based repayment plan. Submitted my yearly application for repayment plan with paystub and they " guessed '' my annual gross. Increased my payment by {$140.00}. Called and complained numerous times that my income ( that they guessed ) was not correct and that the amount they wanted was not accurate for the Income based plan. They repeatedly told me they would look into it and correct it and in the mean time they would put into forbearance. Now a year later they are saying I 'm delinquent and sent to credit bureau even though I did n't owe that amount according to their income formula.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 accounts 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 ( names, accounts or inquiries : XXXX XXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my second-time requesting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick with covid in XXXX and tried to contact the Barclay to let them know I needed to be in a hardship plan or cares act and could not get enroleld. I would like this late payment removed. I have a Visa Black hard and XXXX  rewards card. they reported them both as 30 days late.
Product: Credit reporting or other personal consumer reports

I and my mother became XXXX between the months of XX/XX/2024 - XX/XX/2024. Her name is on the XXXX notice that will be attached below. This whole situation happened because I XXXX XXXX XXXX and my mother XXXX XXXX XXXXXXXX things got hard. We stayed in a XXXX and due to losing my wallet and other items. I was unable to make any payments on my credit card at that time. However while in the XXXX I still manage to come up with a plan and pay what I used before losing my belonging. After contacting XXXX  XXXX and sending the a goodwill/adjustment letter with documents of my XXXX notice. They refuse to remove the late payments although I explained in detail the reason for my late payments. I even disputed with experian they to refuse to remove this information on my credit report. The negative remarks are causing me worse financial pain some jobs check your credit report in order to gain employment. Also due to these negative remarks I cant get a proper safe residence for myself and my XXXX mother. Please note some how my number is wrong on this complaint that is being submitted. The correct number is XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer the natural person, have contacted Experian twice about this issue on XX/XX/XXXX and XX/XX/XXXX about reporting inaccurate information on my consumer report. I have disputed certain accounts on my consumer report and they came back verified. This consumer reporting agency never ask for my verification before they let these debt collectors furnish my report. They havent disclosed their method of investigation to come to the conclusion to verify alleged debt information Pursuant to 15 USC 1681b ( a ) ( 2 ) I notified in writing ; receipt with instructions. My rights have been violated by Experian. They disregard my instructions and proceeded to break the law. I did not have a direct written agreement with Experian to publicly display my information on my behalf. This vital role has cause me harm, they have ruin my reputation and violated my privacy by sharing my information which is consider identify theft. 15 USC 1681a ( q ) ( 4 ) also Pursuant to 15 USC 1681a ( d ) ( 2 ) ( i ) I disclosed with Experian it is unlawful to share my transactions and experiences. They continued to break the law.
Product: Debt collection

This is a debt from 2011. I just received a notice from this company about this debt from 2011. I believe they are in violation of Maine 's Statute of Limitations on debt collecting.
Product: Credit reporting or other personal consumer reports

My last complaint was XXXX Now XXXX having problem with the scoring system. 
I already try to use less then XXXX XXXX ratio to XXXX XXXX ratio. 
But the scores still stay the same. 
Now i have been paying for a membership for these two reporting agencies. 
I already tried to speak to the fraud department about my concern : they gave me the fico score aga\ency. 
To their understanding they get the report from the credit agency and do a final score. 
now I use to have high numbers, now i stay the same.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX US DEPT ED 4XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Student loan

Over the course of the past seven years that I have been in school and receive loans multiple instances have occurred with Navient in regards to repayment. One issue that I have had was An attempt to remove my cosigner from my loans. On three different occasions Navient explained certain steps that must be followed, and payment plans were created so that I would be able to release my cosigner. All three times, once I had fulfilled the terms that Navient explained to me, and I called back to have my cosigner released, the terms such as amount of consecutive payments that should be madeand the overall amount of money that had to be repaid was changed and I was not allowed to release my cosigner from my loans. 
In XXXX, I was diagnosed with XXXX and I contacted Navient To find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance to find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance. I have since learned that there should have been multiple options given to me. 
In XX/XX/XXXX, I was contacted by Navient and offered a repayment plan that was income driven. I was told of a particular amount, that was {$120.00} that I would be required to pay each month. My bank account information was given to Navient and I was set up for recurring automatic withdraws from my bank account. Each month I would receive phone calls and letters from Navient stating that my payment had not been made. When I questioned how that was possible because I was set up on automatic withdrawals, I was told that for some reason my bank would not release the funds. I would then confirm the account numbers that they had on file, and each time they were correct, and the payment Was re-ran and went through with no problem. However Navient has placed a late payment report on my file and with the credit bureau for each month since XX/XX/XXXX. I was also told by one of their representatives that after the initial agreement was made, my account was resubmitted and I was actually supposed to be paying less each month then what the original agreement had been. When I questioned why I was not informed of the decrease in payment owed, I was told that it didnt matter what their computers said I was supposed to pay, I agreed to the initial payment so there was no reason to make any alterations. The payment that was made in XX/XX/XXXX was only ran for part of what we agreed payment should be and Navient has informed me that its being recorded as a failure on my part to maintain agreed-upon payments and my payment plan might be canceled. I asked to speak to a manager, and that manager told me they can say and do whatever they want and there was nothing he could do to help me out
Product: Vehicle loan or lease

When I originally financed a XXXX Mazda CX-5 my interest rate was lower because of XXXX XXXX XXXX XXXX. I traded in the XXXX Mazda CX-5 for a XXXX Mazda CX-5 in XX/XX/XXXX. Mazda Financial stated because I was currently on XXXX XXXX XXXX XXXX, at the time of my trade I didn't qualify for a lower interest rate under SCRA and had to come off my current orders and be place back on XXXX XXXX XXXX before they could lower my interest rate. My XXXX XXXX XXXX XXXX, at the time of financing the XXXX Mazda CX-5 was for six months, starting XX/XX/XXXX, and ending XX/XX/XXXX. Once those orders ended, I received new orders for a year that started on XX/XX/XXXX, and currently serving on XXXX XXXX XXXX until XX/XX/XXXX. I reached out to Mazda financial on several occasions and sent my current orders but was told I still didn't qualify to have my interest rate lowered. All my payments were current, but I was denied the lower interest rate under SCRA. This caused a financial hardship, and I filed XXXX XXXX XXXX in XX/XX/XXXX. I reached out to keep my payment with Mazda financial current but due to the XXXX they refused to accept any payment until my XXXX was XXXX on XX/XX/XXXX. I spoke with Mazda Financial, on XX/XX/XXXX, and they stated that because of my XXXX I do not qualify for a lower interest rate under SCRA. I asked why I didn't qualify for SCRA when I received new XXXX XXXX XXXX before filing XXXX but was told I was on XXXX XXXX prior to financing the XXXX Mazda CX-5 even though the orders ended, and I was placed on new XXXX XXXX XXXX. Mazda Finacial couldn't tell me why I didn't qualify for a lower interest rate back in XX/XX/XXXX even though I sent my XXXX XXXX XXXX in several times. Mazda Finacial has stated I could make one payment and have the two lates payment put on the back of my loan to make me current but now stating I do not qualify for that and need to make all payments immediately. I would like Mazda Financial to lower my interest rate and apply to my loan dating back to went I originally was place on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of Enhanced Recovery Company LLC ( ERC ) and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through XXXX  and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my XXXX  account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this morning, and I have no clue how they got there. I review my credit report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Since the issue persists, I request that the documents I submitted be carefully reviewed to ensure I wont have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : XXXX
Product: Mortgage

I asked HUD to help bail me out so I did not loose my home. That was 6 years ago. Bank of America was my mortgage company at the time. I started to make the payments on time and when I went to sell my house last year, I found out I had a lien on my home. I was very shocked because I have been in compliance with HUD, at least I thought. I got the paperwork from Bank of America and here it says miscellaneous for the first 3 months showing they withheld my first 3 months illegally to make it look like I was not making my payments so they could call me up and have me remortgage my house through them. I did not know I couldn't do that while under contract and Bank of America borrowed, illegally, another {$4000.00} from HUD without my knowledge. When I tried to get them to send a letter ro HUD so it would be forgiven, BOA said it was a computer glitch and would not own up to it.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX