23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans were previously serviced by FedLoan ( PHEAA ). When that contract expired, the full balance of my student loans was transferred to XXXX, the new designated student loan service provider for federal student loans. This transfer was completed in XXXX of 2022. 

The new XXXX information was added to my credit report as an active account. This part is accurate. But the former loan ( with FedLoan ) is still showing as active on my credit report. But this is inaccurate. That loan was closed when the balance was transferred in full to XXXX. This double-counting has the effect of " doubling '' my active student loan balance, which is not only inaccurate but crippling to my credit score and debt-to-income ratio. I am unable to secure credit for a home or vehicle purchase until this is resolved. 

I have found no current contact information for FedLoan to correct this error, and XXXX advised me to simply keep waiting for this to be corrected. I have filed disputes with the three credit bureaus, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Product: Vehicle loan or lease

I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}. 

I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ). 

XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!! 

GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

Do not have any knowledge of this account I filed and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company XXXX XXXX XXXX has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call XXXX
Product: Debt collection

I was sued by XXXX XXXX for credit card debt. I entered into a debt relief program in XX/XX/XXXX. This account was included in my program with XXXX XXXX XXXX. XXXX XXXX persued a lawsuit and I was supposed to be represented by XXXX XXXX XXXX as a part of my program and I was paying for their services.  They did nothing for me to represent me so XXXX XXXX won the lawsuit. It was for quite a bit more than I owed.  I had owed $XXXX at the time I joined XXXX. The lawsuit amount was for $XXXX. That is a difference of XXXX.  Ihave been making the payments. To XXXX XXXX until XXXX  of this yr. I discontinued my agreement with XXXX  and started a new program with XXXX XXXX. I did not include the XXXX XXXX debt as I was going to continue to make the payments of $XXXX a month to them on my own per the stipulated agreement at a po box in XXXX, CA. The first check was cashed after I paid it and then the second one never was. 
I then received letters from XXXX XXXX XXXX trying to collect on this debt that had been being paid monthly ouy of my escrow account with XXXX. 
I paid a total of 19 payments equalling XXXX while with XXXX.
Then XXXX XXXX XXXX  filed a notice of Settlement of entire case in XX/XX/XXXX.  
I believed this to mean I was done paying this settlement. 
However i then started receiving letters from Reese Law Group in XX/XX/XXXX. 
They stated I still owed this money so I started paying them.  I have paid 5 payments to them. They then filed a exparte order to enter judgement for the remaining balance plus fees of $XXXX.  
I filed papers with the court objecting to this exparte order as I have been making the payments and I wrote to them trying to get them to let me know if I do still owe this debt as I thought that XXXX XXXX XXXX   form to settle entire case meant I was done paying this. I have not received anything from the court since Reese Law Group filed this exparte order and I responded. The clerk did say when I went to file these papers that this case had been dismissed. I am really confused on if I owe any more on this or not.  
I feel it should be paif off as the original amount was $XXXX XXXX and to date I have paid $XXXX. 
Reese law group is now calling and harassing me even though I have continued to send payments. 
I call back but the person never answers the phone and she will not answer my questions in a voice mail.  
Reese Law Group phone is XXXX. The person I am supposed to talk with is XXXX XXXX. Ext XXXX. 
I would like some clarification on if I even still owe this debt and if so that they dismiss it as paid in full as I have paid more then the amount of the original debt. I would also like reimbursement of the amount above the original amount I have paid or since the notice of settlement of entire case received in XX/XX/XXXX any amounts paid after that I would like reimbursement from XXXX XXXX. 
This has been very stressful annd confusing with all the different entities involved. I believe this debt is paid in full and I am asking for $ XXXX  be returned to me due to the case dismissal in XX/XX/XXXX
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Hi I ask transunion to remove that SSN from the because it's not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Product: Mortgage

XXXX XXXX A lot of fraud on my refinance application, and closing what Wells Fargo bank. Wells Fargo treated me with bias on prejudice. 

During the application process I had a good credit score. I was told I had to close a lot of credit cards to get the refinance application approved. rates was very low between 2 % and 4 %. I got a high interest rate after I close my cards. I have a friend who worked there said a lot of white people was getting low interest rate and they took money out and did not have to close credit cards. About one year after Wells Fargo mortgage sent up about 30 pages which should sign at closing. And call and threaten us to sign it. If we dont we will have problems seeking our house me and my wife. The send us those documents after numerous calls to try and get copies of our sign closing documents, which we never receive.we try contacting our lawyer and we get no proper help all he told us over the phone is to sign it without him reading the documents.
Product: Debt collection

I reached out to Spring Oaks Capitol about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was foreclosed upon  XX/XX/  2012. Since that time, I have tried unsuccessfully to get the account to refl ect properly at a  XXXX  balance to no avail. Arizona is a non-deficiency/non-recourse state. Chase Mortgage continues to show a balance of  XXXX  and a past due amount of  XXXX . I have requested repeatedly for the balance to be removed and Chase has refused saying the balance owing at the time of default will continue to sh ow for seven years.  It has been pointed out to them on multiple occasions that Arizona is a non-recourse state. They say since they have quit trying to collect the balance, they are within their right to continue to report the amount owed at the time of the foreclosure. My mortgage company,   XXXX   XXXX  , has also tried to assist me in getting it removed so I can proceed with a new loan to no avail. Currently, this is preventing me from getting a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : On XX/XX/2018 I sent a police report and letter to Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. XXXX XXXX XXXX XXXX - acct. XXXX - XXXX XXXX- XXXX. Experian responded with " contact the creditor '' in which i had already done. Experian violated sections 605, 609, and 611 of the  FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Experian has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.
Product: Debt collection

my wife & I purchased furniture from XXXX and signed up for the 12 month 0 % financing with TD XXXX Card Services. From the first month of payment, bill pay of {$49.00} and {$48.00} was already set up monthly to avoid late payments and interests, and for the last payment {$420.00} was sent and delivered on XXXX XXXX, they claimed that they never got the payment. We were very confident that we paid our bill, but they kept sending us bill and with interest and late payment charges. We called their customer service, when they said they never got the payment, we gave them payment over the phone to settle the balance and told them we are not paying for interest and late payment charges because it is not our fault. The bank clearly stated that it was mailed to them. Up until today we keep getting bill from TD retail card services for late payment and interest on top of interest charges they want us to pay. We have paid everything we owe them, its so convenient for them to say they never got our last payment but all of our monthly payments were received.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today XX/XX/year> Bank of america charged me a XXXX dollar " monthly maintenance fee '' which they are not supposed to be doing. I meet all the requirements to avoid it. This happened in XXXX and I filed a complaint and now they're back to doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to Capital one Auto loan people who would understand my situation and refused to help me
Product: Payday loan, title loan, or personal loan

I took out a loan with  Allied Title Lending LLC d/b/a  Allied Cash Advance on  X/XX/15    in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on  XXXX  and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money.     Call for Action tried to help me, but the manager,  XXXX   XXXX  for  Allied, Cash Advance,   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , VA  XXXX ,  XXXX   XXXX   XXXX   XXXX  was instructed not to talk to them and has hung up repeatedly and turned the phones off.     I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan.     Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 inaccura
te.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my XXXX XXXX Account # XXXX was properly investigation and verified and everything is was % XXXX accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds for removal they also violated my rights under : 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 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Product: Debt collection

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting. I never received any notice about the collection and I was struggling to make the payments. 

I have documentation regarding my XXXX.