23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have disputed, notified, notarized documents, and sent numerous letters to the following agencies, lenders, loan servicers, default depts, etc. Telling them all THAT THESE LOANS ARE NOT MINE, AND I WANT MY NAME OFF, MY MONEY REFUNDED, AND CREDIT REPORT CORRECTED, AND COLLECYIONS STOPPED. No one LISTENS. I have told : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. AES/PHEAA 6.AES/XXXX 7. XXXX XXXX 8. AES/XXXX XXXX XXXX XXXX 9. AES/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX that I paid my PUC student loans off years ago before XX/XX/XXXX, and that my first student loan at XXXX XXXX XXXX I paid off over 25 years ago, so how they could say it went into default in XX/XX/XXXXis absurd. It says paid off on the promissary note they sent me. As well as there 's no way in he -- the Federal government would give me a 2nd student loan if I had a loan that went into default 6 months earlier. They claim # 1 Lon at BBI, Which I got in XX/XX/XXXX, paid off inXX/XX/XXXX, went into default, XX/XX/XXXX, and 6 months later federal government gave me a # 2nd student loan XX/XX/XXXX for PUC. No flipping way would governmention ever do that. Also, and Bank XXXX XXXX confirms they never gave me a student loan, which all these loans were made by XXXX XXXX XXXX. They even showed at one point BBI loan came from XXXX XXXX XXXX too, which it did n't it Came from XXXX XXXX XXXX. Common sense tells you this info is not correct.
No XXXX XXXX XXXX was sold, and is no longer open, but was split and bought by XXXX, and XXXX XXXX.
I have my original loan documents from PUC showing amount of my loans, amd they do n't match the amounts these 11 federal agenvies are claiming that are mine. What do I do to resolve this. They continue to steal my money, I am XXXX, and on a fixed income, and they continue nonetheless. Not to mention their pathetic response to my disputes, is to simply give/sell the loans to someone else.
At one point these loans were in 3 states, 3 different account numbers, at the same time/years, same amounts, and all 3 charging their own additional fees. A XXXX loan is now over 18k, after XXXX  worth of payments they stoled from me. And they are not even mine. Please help.
Product: Credit reporting or other personal consumer reports

Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 


XXXX - # XXXX Additionally, Title 15 U.S.C 1681 Section 602 states I have a right to privacy.

.

Title 15 U.S.C. Section 604 states a consumer reporting agency can not furnish an account Without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect comments reported under loan servicing company regarding a mortgage I had with and investor. August REI has not and will not update status to Release of Lien vs. Deed in Lieu of Foreclosure although the investor has filed a Release of Lien. Service Company not involved in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. Inquiries as a result of identity theft : 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 NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me, myself, and I.

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

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 Also please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Mortgage

During the Covid-19 pandemic. I had trouble paying my mortgage. I reached out to then BB & T for a deferment payment plan. After agreeing verbally to a deferment, multiple attempts to receive the necessary paperwork to make it official seemed to get lost in the shuffle. Attempt after attempt different reps telling me there sending new paperwork out and still nothing came. Recently I made a payment of XXXX on XX/XX/22 with rep XXXX XXXX. XXXX also stated that the merger between BB & T And Truist may be the reason behind the miscommunication and that she would personally have someone to look into fixing this issue. And she called back a week later saying she exhausted all of her options and that somebody else would be reaching out shortly and never did. Also XXXX XXXX is another rep to claim to help but XXXX said she didn't do anything on my account. Other reps also called but they would let the phone ring enough to hang up or if I answer would hang up in my ear..
Product: Debt collection

Checked my credit report and found national credit adjusters on my credit report called and requested information about the debt and also e mailed them requesting the same information never heard from them. XX/XX/2024 at XXXX XXXX  received a call from a number with a local area code answered and it was nca they wanted me to verify who I was I told the rep if they could tell me the birthday I would be able to verify it because I have a cousin with the same exact name as me but the birthday is different after she argued with me she finally told me the birthday it was mine so I told her this she tells me who she represents finally and I explain that u had tried to get the validation letter from them a few months ago but never received anything I had updated my address in the previous communication but she gave me an old address after this I disputed the debt and she told me she would mail the letter out to me I checked m credit report after I hung uo with her and found that they are reporting this debt to the credit bureaus even though that is illegal for them to do since I had never talked to then until a few months ago this reporting goes against the law
Product: Credit reporting

I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
Product: Checking or savings account

on XXXX/XXXX/XXXX I paid the shipping cost for two 14 Day Free Trials ; one with XXXX XXXX and the other with XXXX XXXX. The amount taken from my account were {$5.00} and {$4.00}. I did not authorize any charges related to the free trial. My checking account was subsequently charged {$87.00} from XXXX XXXX and {$89.00} from XXXX XXXX for a subscription I did NOT authorize. I attempted to resolve this thru the company however they were completely uncooperative and which point I took my complaint the XXXX XXXX XXXX. The related case/claim number is # XXXX. In my conversation with Chase Bank, I advised them that not only did I not authorize this charge but also did not receive the products these two companies charged me for. They did initially credit me back per my complaint however subsequently debited the reimbursement from my account. They basically refuse to consider this a case of fraud and have refused to reimburse me for these unauthorized, and of note unreceived products. I further believe that they are further dismissing my claim as a young female.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the XXXX XXXX XXXX with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed Next step funding off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account
Product: Credit card or prepaid card

Ive had issues with fees being reversed by Barclays XXXX Mastercard. They dont keep track of previous calls and dont do calls backs. Interests fees that were supposed to be waived were not applied and balance kept rolling over with late fees.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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

XXXX XXXX, an agent of PR Associates, XXXX, and Premium Receivables called my employment in an attempt to collect an unknown debt and threatened to send a lawsuit to an old address of mrine. I requested paperwork of said debt, yet he insisted that he could not provide such written hard copy paperwork for detail. Also, XXXX informed me that if I could not furnish a settlement by the end of the month. The lawyers are will notify the local court. He also suggested if I take out a payday loan, that would get me started on my first settlement payment of a debt I have no awareness of. 

The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under XXXX XXXX XXXX ( a ) / Equifax Data breach XXXX # XXXX To Whom it may concern, I am writing to formally notify Equifax, XXXX, and XXXX, XXXX my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via E-Oscar ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Highest balance XXXX XXXXXXXX  Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$640.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XX/XX/XXXX - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX due amount {$640.00} Original balance {$1500.00} Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX nexus said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$6100.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 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

CFPB please investigate the reporting practices of Equifax and XXXX enclosed are News letter s showing cases against Equifax for misuse of reporting I have been stating that they are playing games and stalling please use my information to do this investigation enclosed I want to show a pattern of how they refuse to comply with the law and make up there own manipuliating consumer credit reports
Product: Credit card or prepaid card

Credit Card company charged me interest during the 24 month promotional period, terms were no interest for 24 months but during that time they charged me interest, then changed the terms to 14 months and charged me full interest. My balance was almost paid off with $ XXXX left out of {$3200.00}, this brought my balance up another $ XXXX. They are now charging interest on top of interest on top of interest which were not part of the terms. Credit Card is form the XXXX XXXXXXXX store.
Product: Credit reporting or other personal consumer reports

Their was a data breach, an all my info was hacked
Product: Debt collection

Several times this week, I started receiving a call from an unknown number. I called the number and was told that it was in reference to a personal matter. I asked for the company name and was informed it was a company by the name of Convergent. While speaking with the representative, I looked up the information on the website. It was at this point that I realized that I have spoken with them several times over the last 2 years, inquiring about several different people ... .none of whom I knew. When I asked how they received my number, they hung up the telephone or said hold on and never would return to the telephone. After calling several times, I was told that they were in error and that my telephone number was taken out of their system. As of this week, the calls have resumed. When I asked to speak with a manager or supervisor, I was again placed on hold. When I hung up and called back, there was a message stating that they were closed. This same company continues to contact me with various names and from several different telephone numbers. I am once again blocking this telephone number, but it's just a matter of time, before they start again, from another number. 

Convergent clearly needs to be investigated and stopped. The random calls to unknown individuals, is absolutely ridiculous. They have given at least 4 different names over the last 2 years.
Product: Debt collection

On XX/XX/2019 commonwealth finance put XXXX dollars in collection for medical dept that IS NOT OWED the number associated is XXXX AND I HAD AND HAVE XXXX AND XXXX FOR THE LAST 5 YEARS SO NOTHING AT ALL IS OWED
Product: Debt collection

This debt is not mine as the contract belongs to XXXX XXXX. And my name is XXXX XXXX. The mispelling of my name finalizes that this debt is not mine based on the improper spelling of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These late payments are not reflective of my typical payment behavior.
Product: Debt collection

I have tried to resolve and dispute this issue with Midland Credit Management numerous times via the various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 

I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates.
Product: Checking or savings account

On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 USC Section 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : EXPERIAN XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX