23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXXXXXX XXXX is my XXXX  XXXX XXXX and I am the cosigner, XXXX XXXX XXXX 
AES XXXX XXXX XXXX XXXX, PA XXXX XXXX The loan has been paid on time for the requirement of a cosigner release which was XXXX consecutive on-time payments, AES/XXXX change rules as they go. I requested the release only to be told NOW that the borrower
does not meet the credit score required for the release. He owns his own home, cars, and other financial obligations all in good standing.

In the original documents, there is no Clause stating such a requirement. 
The payments are auto-drafted from my son 's account and Have never been unpaid. 
This is unfair and damaging to my credit report and I feel this is discrimination against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a formal complaint was sent to Equifax for reporting inaccurate and incomplete information. Received information back from Equifax stating that the disputed items have been verified. On XX/XX/21 a letter was sent to Equifax to verify the method of verification and equifax has not responded. Under federal law Equifax has 15 days to respond to request and there was no response at all. I demand that the disputed items be removed from my report.
Product: Student loan

XXXX XXXX  XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. 
I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. 
They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. 
I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. 
They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX/XXXX XXXX   XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX/XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX/XXXX   XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Product: Vehicle loan or lease

Bridgecrest loan. Traded XXXX XXXX. XXXX for XXXX XXXX XXXX. Loan for both cars with Bridgecrest but loan for XXXX still shows on credit report making it appear as if I owe XXXX total but it should be ard XXXX. Need this corrected
Product: Debt collection

They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX. I revecied my credit report from experian credit XXXX. I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is experina job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and experian. 


Wrong address is XXXX XXXX XXXX XXXX MD XXXX. 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since experian website and system are failing..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my credit score 10 points for no reason. When asked why this is what they sent me but none of it applies : Dear XXXX XXXX : Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : XXXX  or XXXX ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the XXXX  Score 8 model. 

The primary factors that determine a persons XXXX  credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations. 

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

XXXX. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA. 

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting.

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXXExperian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXXXXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Student loan

Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) .The specific entry I am disputing is a bankruptcy filing that appears on my report. The date filed, reference number, closing date, and name of the court are being reported inaccurately across each credit bureau. I have attached documentation outlining these errors as well. I've also received a letter from the bankruptcy court clearly stating that they do not report or verify any information directly with any credit reporting agencies. I have attached that document as well. I have disputed this inaccurate information with XXXX, TransUnion and XXXX. Unfortunately, there has been no resolution. I have verified that the information reported is incorrect and request that it be investigated and removed promptly.
Product: Debt collection

The XXXX XXXX XXXX called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND EXPERIAN HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Debt collection

I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. 
Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /
Product: Debt collection

The debt owed to Afs Acceptance Llc has been paid in full. Credit report states the debt is paid in full as well. However, account remains on credit report of all Credit Bureaus. 

Requesting that this account be removed from all three Credit Bureaus. 

Ive contacted AFS Acceptance LLC previously and no help was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Product: Credit reporting

According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Midland Credit Management filed lawsuit against me. I have never been in contact with this company nor do I have any contracts or debt with them. I was never notified of debt toward them or given the opportunity to dispute or deny this alleged debt. I now have to go to court to defend myself. I ran my credit and found midland credit management submitted unpaid collections against me in late 2021. There is no additional information regarding what this collection is concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NAVIENT  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed disputes 2 years ago something happened to that they deleted my residence off the account to much activity my life is in danger
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXX, transunion, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,
Product: Debt collection

I am being bombarded with calls from Midland Credit. When I block one number, they use another I own my home, and my car, and have NO unpaid debts. These people have been hounding me for over 6 months, maybe longer.
Product: Credit card or prepaid card

Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.