23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX XXXX XXXX. 
Fed-loan servicing They mentioned my debt was {$27000.00} total loan they classified, when it was really {$24000.00} Mr. XXXX mentioned benefits will help with credit report. 
Mr. XXXX offered benefits to Prevent government from garnishments Make 4 payments of XXXX per month. First payment is XX/XX/XXXX. 
After those 4 payments were made, the rest of my debt would be granted. 
Original contact information : XXXX Representative / Account manager XXXX XXXX Manager ID # XXXX client care email : XXXX General Inquiry : XXXX Website : XXXX XXXX Cell That he texted me on was XXXX XXXX represented himself as a representative from the department of education. He had two separate companies that he was apparently working for. First was Fed-Loan Servicing, and second was XXXX XXXX XXXX. He would not give me any confirmation email about the status, and the details of our conversation until he received a method of payment. I received a code, and I provided it to him, and later I found out that the code gave him access to all of my financial aid benefits through FAFSA and XXXX. I'm afraid he has my banking information and social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan Credit Acceptance account opened XX/XX/year> account # XXXX at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion, XXXX and XXXX credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information in credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX XXXX program which my wife XXXX set up for us. All was going well. Then without our knowledge, XXXX XXXX withdrew from receiving monthly payments. For 2 years afterwards, XXXX XXXX never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted XXXX XXXX about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & Equifax reports.
Product: Student loan

I get calls daily from XXXX about my student loans. I tell them over and over. Im not working. I ask for holds until i get on my feet amd they wont help. Instead they keep reporting negative to my credit and its hurting me badly. How can I get a good job in my degree field if they wont allow a forbearance ( unlesd I pay money I dont have ) but keep hurting my credit
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report which showed data ( INACCURATE, MISLEADING, or IMPERMISSIBLE INFORMATION ), that I did not authorize nor was I given such information, providing me with '' the option to or directing me ( the consumer ) to exercise the nondisclosure option of data to a XXXX party ( in contravention to Sec. 6802 ( b ) ( 1 ) ( B ) ( C ) of Title 15 USC ) ''. As a result of the violation of Sec. 6802 to the consumer, the financial institution XXXX XXXX XXXX XXXX has been violating federal law ( XXXX ( a ), ( b ) and providing this agency with MISLEADING, INACCURATE and UNAUTHORIZED data, ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) to this agency to publish in contravention to the Consumer Credit Protection Act. and the PRIVACY Act. 
I requested for XXXX to adhere to the mandate of law and remove the following ( IMPERMISSIBLE, MISLEADING, INACCURATE ) data from my credit file, immediately because I did not authorize nor inform any Bank, on any documentation, that I was not given the option to decline to allow my information to a XXXX party, and conveying my authorization to publish my data to a XXXX party. Thus, the INFORMATION in the database of the reporting agencies is MISLEADING, UNAUTHORIZED, IMPERMISSIBLE and INACCURATE until verified and I requested that the information be completely removed until it is verified as authorized and permissible. 
Furthermore, I gave a NOTICE/CAVEAT to the reporting agencies indicating : " Any future violations of this notice will result in a CLAIM being filed against you with the XXXX. I will utilize my right to log and record any communications you send, in violation of this notice, including electronically recording any future telephone call from you. 
I also gave the reporting agencies a CAVEAT indicating : You are hereby served Legal Notice. 
By this notice : you are hereby barred from raising ignorance from the content put forth in this notice as an affirmative defense in any subsequent legal decisions. 

No reply was ever sent to me from XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

This afternoon I discovered Synchrony had closed all five of the accounts I had with them. I have never been late making payments, never had a payment returned, and never violated the terms. When I contact Synchrony after 4 hours of calling and chatting I was told they closed my accounts and will eventually send me a letter to justify why they did. Doing something then justifying it at a later date is simply unethical and shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says XXXX, Experian, and XXXX is XXXX furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.
Product: Debt collection

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Transunion , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on Transunion Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from Transunion, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. Transunion, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Credit reporting or other personal consumer reports

I have had hard inquiries on my account that I do not recognize and never applied for. I reached out to all XXXX credit agencies ( Transunion, XXXX, XXXX ) and the assured me that they would take it off of my credit and they are still showing and affecting my credit and my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

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

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX 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

SEE ATTACHMENTS! 
How can I owe two of the same debt with the same account # with two different companies thats an inaccuracy violation per the FCRA
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I transferred {$100.00} worth of XXXX into Binance.US to transfer out XXXX, to buy some crypto on the XXXX XXXX. After initiating a transfer on the XXXX XXXX, transfers complete within a XXXX  or XXXX. 

I requested the withdrawal of {$95.00} of XXXX out of Binance.US at around XXXX XXXX  ET on XX/XX/XXXX Friday. After several hours of waiting I contacted Binance support and they told me to wait a few hours because this was a XXXX XXXX XXXX ''. Meanwhile, all my other transfers on XXXX are going through almost instantly and still are. On XX/XX/XXXX Saturday morning the transfer had failed due to 'network too busy '. I initiated another transfer and it is still stuck in Pending. Binance employees just say the 'network is congested ' when it can be confirmed that it is not. Thankfully I was testing this out with just {$100.00} but I believe Binance is holding and commingling customer funds for their own use without customer consent
Product: Mortgage

I applied for a re-finance mortgage on XX/XX/2020. I was told the process could take 90 days. The first week I submitted all required documents. After that, nothing has happened. I have made several attempts to call, email, and have gotten no response. I can not get a response from Fifth Third on where it stands.
Product: Debt collection

I filed a complaint with the XXXX about XXXX, formerly XXXX XXXX. This is a gas procurement service that is billed through my utility XXXX XXXX XXXX. It is impossible that there is any debt, and I feel that they sent me to collections as retribution for filing a XXXX complaint against them. My account with XXXX XXXX XXXX is current and paid. However, I received a collections notice that looks legitimate. I also received a phone call from a different collections company.
Product: Mortgage

Sunwest mortgage bank, repeated checking my credit. They did not do a look or soft pull, Sunwest made my scores go down drastically. Than told me you cant get the loan anymore because of your score. I called all 3 credit agencies all 3 stated the inquiries from Sunwest made my credit score drop. So Im stuck with a low credit score and no loan. My entire experience with this Bank has been nothing but excuses and reasons not to give me a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : UNIVERSITY XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : UNIVERSITY XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed equifax and   XXXX   XXXX   should not be reporting this account
Product: Debt collection

Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Bankruptcy Entry Response to CFPB Complaint # XXXX Dear CFPB Complaint Department, I am writing in response to complaint number XXXX, which was submitted on XX/XX/year>. The complaint addressed an incorrect bankruptcy entry on my credit report with Experian. 

In my original dispute, I challenged the accuracy of a bankruptcy listing. The response from Experian indicated that the disputed information was not present on my credit report. If this is indeed the case, Experian should have removed the erroneous entry. The continued reporting of this incorrect information is a direct violation of the Fair Credit Reporting Act ( FCRA ).