23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/2018 I received a call from XXXX XXXX credit card stating my credit card bill was 30 day late. Prior to the call I had called XXXX because I was worried I had not received a bill. I was directed to call XXXX. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from XXXX in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into XXXX websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from XXXX bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at XXXX the web sight is auto checked when creating XXXX  acct. It auto enters a check mark, if not un-checked you will not receive a bill. The XXXX  bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into XXXX websight and made sure check mark for paperless billing was un-checked. XXXX mo. later I find out it was reported to Experian as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. XXXX verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have provided ( Experian ) with copies of my United States issued photo, social security card, FTC report, Fraud Affidavit as well as police report. Requesting for Fraudulent accounts to be Blocked, from my credit profile. Instead of Experian honoring my request under the " Fair Credit Act for victims of identity theft, they process my request as a dispute without verifying my identity with the associated company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, Mutual of Omaha Mortgage via XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Open XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action
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. 

XXXXXXXX XXXX XXXX : # XXXX has violated my rights. 

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 received a notice for a debt owed to a health insurance company that I have not used in several years. The insurance company has not contacted me, and I have never missed a payment to them. I requested verification of the debt in writing ( via certified mail ) and it was ignored. The company continues to send me letters about collecting on the debt. I sent my response within 30 days and more than 30 days have elapsed since they received it. They are asserting in their letters that I have " simply chosen to ignore '' them, which is not true, and I have evidence : the USPS tracking number is XXXX and I have provided a screenshot of the publicly accessible tracking page below. Furthermore, they have my first and last name reversed, which is another reason to be suspicious about the validity of this debt.
Product: Debt collection

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX. I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

Original balance was from identity theft. I provided documents to Original collector XXXX XXXX  and showed them police report numbers and gave them contact information for other individuals effected by the scammer. It was removed off my credit report as I proved the debt was not mine. It was then sold to a new collector who has added it back to my credit report. Refuses to send me information regarding transactions. Will no allow me to send them the same proof as the original collector. Has been rude, calls me all hours of day and night after I have asked them for all communications in writing.
Product: Debt collection

For the past few months, I've been harassed this company Midland Credit say that I owe money which I don't. They call and send letters in the mail which is very stressful. They have violated several laws of the FDCPA 15 us 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/year>, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-XXXX XXXX, and Experian as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX XXXX from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I found several errors and I can't figure out the reason. Normally, my credit report is accurate, but today there were some unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the errors persisted. Therefore, I am asking for a detailed review of the documents I have sent to prevent future issues and give me peace of mind.
Product: Credit reporting or other personal consumer reports

I have tried sereval times to submit my disputes and it seems as if my account is not allowed to do so. 
During my review of Transunion File # XXXX, I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.
Product: Vehicle loan or lease

On XX/XX/2018 ; my XXXX XXXX was deemed a total loss after it was involved in my house fire. BBVA Compass bank took almost two months to send the required documents to my insurance company in order for my insurance company to pay my loan off. During this time, BBVA Compass Bank reported missed payments on my auto loan to credit bureaus. The first time my insurance company contacted them about the loss of my vehicle, they did not report it as a total loss. It wasn't reported as a total loss until almost a month after the fire when I contacted the company myself. On XXXX18, BBVA Compass was contacted by my insurance company ( XXXX XXXX XXXX ) at which time they ensured my insurance agent that they would email the title to my charger and the certificate of guarantee. On XXXX18, my insurance agent called BBVA again because they had sent the title and the letter of guarantee. However, the letter of guarantee did not have the payoff amount listed on it, which was supposed to be filled out by BBVA Compass. BBVA Compass ensured my agent that they would send the corrected letter of guarantee by the end of the day. On XXXX-18, my insurance agent contacted BBVA again because they had still not sent the the letter of guarantee with the payoff listed. On XXXX-18, BBVA sent my insurance agent another copy of the title. At this time, I called BBVA Compass Bank myself and they assured me that they would send the corrected letter of guarantee by the end of the day. On XXXX XXXX, my insurance agent was finally able to issue a check for my totaled vehicle. During the time it took BBVA Compass to send my insurance company the correct information, they reported missed payments on my account to credit bureaus. When BBVA Compass received the check from my insurance, they backdated it to XXXX ( the original month of loss ). However, they have not taken the " missed payments '' off of my credit report. When I called to inquire about this, I was transferred four different times and then told I had to email the total loss department and wait on a phone call from them. This company has put me through the ringer and I can't even get in touch with a person to dispute these charges. My insurance company would've had the car paid off within a week if BBVA Compass would have sent all the information to them in a timely manner. Now my credit score has dropped because of this company and their customer service has been of no help throughout this disaster.
Product: Credit reporting or other personal consumer reports

I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : Transunion = XXXX, XXXX = XXXX, XXXX = XXXX High Balance : Transunion= {$16000.00}, XXXX {$14000.00}, XXXX= {$16000.00} Date Reported : Transunion=XXXX XXXXXXXX XXXX XXXX. 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX accurate information>
Product: Credit card

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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 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. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

I noticed fraudulent activity on my American Express account. I disputed the charge with American Express and then requested they close my account afterwards. I received a confirmation letter indicating the account was closed. Several days later, I received a bill from American Express for an unrecognized American Express account. I attempted to resolve the matter with American Express, however the representative requested I provide them my SS number. Since I believe the source of the security breach is American Express, I am highly reluctant to provide my SS number to an overseas call center.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

XXXX / XXXX / {$2100.00} XXXX XXXX XXXX / XXXX / {$9400.00} XXXX XXXX XXXX / XXXX / {$5800.00} XXXX XXXX / XXXX / {$7500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep lowering my credit score for not reason and using collections company that have been disputed. On XX/XX/XXXX my score was XXXX and I disputed a collection that they have posted for long time illegally and the next day I noticed that they lower my credit report even more by XXXX point going down from XXXX to XXXX. So I called them and they said practically couldn't do anything.
Product: Vehicle loan or lease

On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. 
According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account was removed from my Experian account last year in XX/XX/2018and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.
Product: Debt collection

They contacted my mom, brother and sister. They collected funds from my mother without my consent. I contacted them the first day they called my family and asked them to only contact me. They continually contacted my family & gave my mother details about the debt so she paid it in full. I never authorized them to speak to anyone about my debt