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

XXXX XXXX Experian still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX  this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a inquire on my credit report XX/XX/XXXX but I never gave them written authorization to run my credit.
Product: Credit reporting or other personal consumer reports

Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Product: Student loan

FedLoan incorrectly notified me when I needed to re-certify my loans for IBR in XXXX. I received notice from them on XX/XX/XXXX that said I needed to recertify my loans by XX/XX/XXXX or my payment would increase to {$480.00} with the first payment due XX/XX/XXXX. 

When I received my XXXX bill, my payment amount had already changed to {$480.00}. When I called they said I had made 12 payments already on my current IBR plan. I explained I had just received a letter that said I needed to recertify by XX/XX/XXXX and the payment amount not increasing until XXXX. I paid the full amount of {$480.00} because I did not want to miss a qualifying payment. 

I submitted my IBR documentation for immediate review and received a revised payment of {$230.00} with first payment due XX/XX/XXXX. 

FedLoan admitted their letter was incorrect and should have been sent 60 days sooner than it was. On XX/XX/XXXX they told me FedLoan could perform an override and provide me a refund. 

It has been 17 months and no override has taken place and I have not been refunded. I am nervous about filing the complaint and receiving a refund because I am on PSLF. I can see this causing cascading issues with my qualifying payments because FedLoan has already shown mishandling of that information with my account. Extra care and caution must be exercised with resolving this complaint.
Product: Debt collection

last month i recived a letter then Called MCM collection agency located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX there web address is www.midlandcredit.com there phone # is XXXX and told then that I im in the process of a XXXX  XXXX bankruptcy for the amount of {$24000.00} and all my dept / ubsecured credit then gave then all my attornys contact information but they still call and send me collection letters
Product: Credit card or prepaid card

I called to dispute fradualant purchases with boa XX/XX/XXXX or XX/XX/XXXX. After they conducted " an investigation " they replied saying we were responsible for these transactions even if they were fraud. Holding me responsible for the fraud on my credit card. During my initial dispute my card expired and they sent me the replacement card right away all fraudulent activity ceased. Even with all the proof, even with my landlord statement that a police report was filed for stolen mail from mailboxes in my apt building.  Please help
Product: Credit card

I fell behind with payments. XXXX XXXX. An arrangemtwas created. I was told as long as u followed this agreement by the 3rd payment my account would be current. Each month i was contacted about my account being late. Id tell the person on the phone I had already worked things out and that my payment was made. Theyd find it and apologize. 
After my last payment i checked my account. I was shocked to see that even after paying {$190.00}, My card completely maxed out! Then I saw the late fees and other charges. 
Every payment made was on time. And was told id be current with no fees. The balance of my card in the end of that agreement was supposed to be current an no late fees. 
Now after keeping the agreement its left me in more debt than when I started. 
This has left my trust completely broken. The XXXX dollars given to them should have brought down the balance. Instead each month theyd call and id tell them about the supposed agreements. Theyd apologize after " finding it '' and say my payment was recieved and theyd credit the late fee. ALSO they reported me late to credit bureas!!! Prior to all of this i had an immpecable payment history. I had Covid and missed XXXX weeks of work. All my other What they do should be illegal.i want the fees removed and my payments reported to credit bureau with a current status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX  and accounts with XXXX XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer. 

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through Victoria Secrets and they closed my account without my knowledge. And I was updated on my payment when they closed the account. I only owed XXXX out of a XXXX balance. And I was not told what or why it was closed. I got this card to help with my credit do to we are going to try to buy a house in XXXX.And I really don't think this should be on my credit I didn't close it .They let me spend money on it one more time then sent me a new platinum card and then I tried to use it and they said the account was closed. I called them to see what the problem was and they said they closed the account. I said why she said they would send me a letter .That I never received so I am disputing this on my credit. I no longer have the card so I don't have the card information the last four digits of my account is XXXX exp date is XX/XX/XXXX and it was closed on XX/XX/XXXX with a balance of XXXX and bought things the week before this. So I just think that it would only be the right thing to do is to take it off my credit..
Product: Debt collection

This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.
Product: Student loan

I took out my first student loan through XXXX in XXXX. At the time, I had been on SSI since XXXX. When I took out my private loan through XXXX, I was not told that I could never get my student loans forgiven due to being on SSI when I took out my loans. My loans were sold to Navient. They have put up many barriers to releasing my cosigner. My only income is my SSI. They are refusing to lower my payments and are making it very difficult to afford my payments, despite both my cosigner and I trying to work with them. We are not able to make the payments despite trying and they are setting many barriers for us that I feel are unjust. They are harrassing us both about paying the loan back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Transunion Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

XXXX. XXXX XXXX - This is a FRAUDULENT ACCOUNT! I did not open up nor have I ever applied for an XXXX XXXX Account. This account needs to be deleted! 
XXXX. XXXX XXXX shows 2 late payments - XX/XX/XXXX and XX/XX/XXXX. I have never paid this account late. Since the account has been paid in full, the creditor refuses to make the correction.
Product: Credit reporting or other personal consumer reports

SECURITY CREDIT SERVICE added a collection to my credit report indicating that I owed them {$1500.00}. They also indicated that this loan was established XX/XX/year>. I sent letters out XXXX, XXXX and XXXX, all 3 companies are reporting different information which is also a validation of my rights as a consumer. All 3 bureaus must report 100 % accuracies across the board or thats a violation of my rights. I dont owe SECURITY CREDIT SERVICE any money nor have they lent me any money nor have I signed any contracts agreement stating I agreed to pay this company back. Im demanding that this debt get immediately removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AMONG OTHERS. XXXX XXXX IS THE BANK THEY TRICK YOU INTO USING! This bank is owned by XXXX XXXX XXXX and the other companies listed above. XXXX is listed under XXXX XXXX. Cutting to the point XXXX  and ALL OF THEIR EMPLOYES, and i mean all of them will harass you and call at inappropriate times of the morning and night. 

My biggest problem is ; I was in a motorcycle accident where i was rear-ended from behind at a stop light and was almost dead, shortly after being released after almost 2 months, ( and mind you i stayed current up until my first release, even hospitalized with a XXXX XXXX and no use or XXXX XXXX XXXX XXXX ) after they keep demanding payment but while i was in the hospital with XXXX XXXX XXXX and a XXXX after being released the first time they had blocked access to my online account ( for what I've tracked and logged for over a month now. ) to this day i am writing this even, i still have the vehicle and i still can not make a payment due to this, and just today alone i received OVER 78 PHONE CALLS AFTER DOING A REVERSE LOOK UP FROM EVERY SINGLE ONE OF THEIR EMPLOYEES PERSONAL LINES, AND EVEN COMPANIES THAT ARE XXXX AND NOT THE BANK THEMSELVES. 


Additionally After opting out ( i have attached the letter to this complaint that was sent so i made it when i got used of my hands and brain again! 

As per the USC codes, i took the liberty of stating, only regarding the Second part of this complaint. That being after sending a certified letter Opting-out. XXXX  XXXX is in direct and in-direct violation as well as Breach of contract. 

*****The USC Codes state under15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Reasonable procedures to ensure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation, he maintained reasonable procedures to assure compliance with the provisions of this section. 


( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 




ATTACHED IS THE COPY OF THE INITFINDINGS THEY HAD LOCKED ME OUT STILL AFTER A MONTH OF BEING IN A XXXX  IN THE HOSPITAL, STILL HARRASSING ME. WHEN I GOT TO MY PHONE I HAD OVER 500 EMAILS AND AN OUTSTAND 789 CALLS. BARE IN MIND MY WIFE WAS IN DIRECT CONTACT WITH THEM AS WELL BEGGING TO NOT REPORT A LATE PAYMENT AS I AM STILL IN THE MIDLE OF GETTING A MORTGAGE LOAN BECAUSE THEY INTENTIONALLY REPORTED A FALSE MISSED PAYMET IN XXXX, THUS MAKING ME GET DENIED MY MORTGAGE ***LOOSING THE HOME I WAS IN AT THE TIME BECAUSE THE LEASE WAS UP, PUTTING MYSE XXXX XXXX MY XXXX BABY GIRLS ALL UNDER THE AGE OF XXXX WITH XXXX OF THEM BEING XXXX AND XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my data and it was sent out of their systems to an unknown entity. This breach impacts me directly, I can not opt out, I can not stop it, they collect data and don't protect it. Their systems sent the data out, this violates Section 604 of the FCRA ( Permissible Purposes ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and XXXX XXXX XXXX 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 AND 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is erroneous and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted Experian consumer dispute department and fraud department several times by phone, via email and through certified mail notifying them I am a victim of Identity Theft and that there are items on my report that were fraudulently opened and not belonging to me. I have sent the Experian Identity Theft Affidavits, Police Reports and Military records establishing my position in XXXX, XXXX at the time of these fraudulent accounts being opened as well. After submitting substantial information to prove these accounts are fraudulent, Experian continues to refuse to investigate and remove these account from my credit report. 

Each time, Experian has sent me a computed generated response that states : " IF THIS ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY. '' However, I have contacted the creditor grantor directly and the creditor grantor is stating that they never told Experian they request I contact them directly and this is a computer generated message by Experian. 

The below accounts were fraudulently opened. They are INACURATE on my  credit report and I have disputed these accounts with the credit grantor prior to contacting Experian and your office. I want these FRAUDULENT accounts removed from my credit report. 

XXXX XXXX Partial Account Number XXXX {$2100.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX {$660.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX OPENED XX/XX/XXXX ADDRESSES : Address Identification # : XXXX XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Address Identification # : XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Thank you.
Product: Checking or savings account

I opened a new business checking account with Chase Bank on XX/XX/2018. 
I supplied all the information that the bank requested at time of opening. 
Since the account was for an LLC, i presented the following ; 1. ] Articles of Organization 2. ] Federal E.I.N. number 3. ] Nevada Secretary of State registration documents 4. ] Trust documents showing that the LLC is owned by a trust The account was opened and an initial deposit of {$1000.00} was made. 
Was notified about a week later that the bank wanted a copy of a rent receipt for the LLC. 
This despite the fact that I informed them at opening the LLC was merely a holding company for various securities [ stocks and bonds ]. 
Since the bank had opened XXXX business checking accounts for me for the same LLC over the past XXXX years, I feel that the bank mislead me!
Product: Student loan

My loans were discharged in XXXX under the XXXX XXXX dispute. The Department of Ed sent me a confirmation letter that confirmed that those loans were 100 % forgiven and provided me with intruction to consolidate in order to finalize the forgiveness. 

I consolidated the loans with Nelnet. I have called numerous times regarding the loan group forgiveness for over a year and with each call, I receive the standard prompt from each representative claiming they dont have any idea what is going on with my loan. 

In XX/XX/XXXX, I called and spoke to a supervisor names XXXX who confirmed that Nelnet DID receive confirmation from Department of Ed to proceed with cancelling the loans on XX/XX/XXXX. She stated that it would be escalated to their " claims '' department. 

I followed up a few times after that call for subsequent representatives stating " they dont know what is happening with the loan. '' On XX/XX/XXXX, after being on hold for almost 2 hours, I called and spoke to another supervisor who promised me a call back because he confirmed that the loans should have already been processed. The supervisor stated he would give me a call on Monday, XX/XX/XXXX with an update. The call never came. 

On XX/XX/XXXX, I called about my loan. I was transferred to the " Solutions Department '' and spoke to XXXX, who rudely informed me that " he couldnt do anything about my loan he is just there to answer calls that want to be transferred '' as he proceeded to yawn on the phone. 

I waited another hour to be escalated to another supervisor by the name of XXXX who stated that he does not see any information on my account that my loans were to be forgiven and refused to assist any further. 

Nelnet has been provided with the letter from XXXX by the Department of Education confirming the forgivenss and were instructed by the Department on XXXX to proceed and are failing to do so.