23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had XXXX SallieMae loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to SallieMae, and XXXX was later turned over to XXXX. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both SallieMae and XXXX. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with SallieMae. The same thing happened with the XXXX loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
Product: Vehicle loan or lease

I was pre-qualified for a second loan from the same financial company which is Capital One and was denied and have a lot of inquiries reported on my credit report and I'm trying to purchase a house and that is not helping. I have called credit bureaus including Capital One nothing can be done about it credit bureau is saying it will be on my report for 2 years unfair and I already have things on my credit report that shouldn't be there so that now, I am not able to purchase a home for me and my family.
Product: Money transfer, virtual currency, or money service

I used to be a user of Paypal and they just suspend my account without any reason from XX/XX/2021 and freeze my balance to withdraw. Per their message, they will keep my balance up to 180 days. So far, I didn't get any notice how to restore my account or get back my money in account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX5 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I'm requesting a copy of the 1099C, from this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

Regarding account XXXX, reported by XXXX XXXX as the listed creditor to TransUnion LLC XXXX 
I spoke with the reporting creditor employee # XXXX XXXX/XXXX/2015 XXXX, and specialist # XXXX XXXX/XXXX/2015 XXXX in recorded and saved phone calls requesting them to verify and send copies of the information they 're reporting to the CRA. XXXX XXXX XXXX representatives stated they have no records of this account and could not supply any information on what was being reported because it was created by a different lender that no longer services. XXXX XXXX has stated they are not the original creditor but is reporting as such. Account is missing in all variations on annual reports pulled XXXX and prior but is reporting an open date XX/XX/XXXX. The alleged debt buyer identified by XXXX XXXX has made no claims to the account, nor has it sent any records of validation to justify the reported balance. TransUnion verified all account information with the reporting creditor despite admitted missing records, and has not complied with dispute requests to remove or XXXX ( a ) ( XXXX ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations.
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 confidentially under 15 USC 1681XXXX XXXX  account has violated my rights 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 XXXXt 15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My medical needs is for a medical condition and is covered by insurance. I'm getting letters stating it's on collection when I never notified.
Product: Debt collection

I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/2022 XXXX  # XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

I have had to complete a split sign to finish up the COVID mortgage relief program and have had the wrong documents sent to me several times over the last 6 months of dealing with this.

They have called me repeatedly, IXXXXhave explained that one person is frequently out of the country for XXXX  work an they have said that it isn't a problem. On another call, they say that it is, that a mobile notary can fix it. The mobile notary never calls me to comfirm. I am just trying to sign so I can continue my loan as usual and Wellsfargo keeps changing how the split sign is to be handled.

The Wells Fargo notary at the bank also failed to disclose this issue and was also in agreement that 2 of the 3 borrowers would suffice ( those 2 are a married couple )
Product: Vehicle loan or lease

XX/XX/XXXX Global Lending Services illegally repossessed my XXXX XXXX XXXX in Maryland. The governor signed and extended an order against repossessions nut Global Lending proceeded anyway. The repo company they used, damaged my real estate property, damaged my vehicle and no one is claiming responsibility for the damages of approximately {$5000.00}. Now I have paid the account current, but I am left with a nearly totaled vehicle. No vehicle to get to work and no one answering calls. The company they used I believe XXXX XXXX XXXX was not licensed in Maryland. I have Ring camera video of the entire event, and they claimed the damage was already there before the illegal repo.
Product: Credit card

I have a problem with a late charge. my due date was XXXX 2016.could not make payment online. I made my payment late XXXX XXXX over the phone with customer service. 
She waive the late charge because I was never late. 
But because the statement was generated in XXXX I made payment of my regular payment. Since XXXX I have called and customer service service would waived the late fee. I was given a min payment and pay that payment on time. But get a statement eve ever month even after calling and given a min payment. 
Barclay would still not correct the statement and I would be late because the sTATEMENT REFLECTS A DIFFERENT PAYMENT THAT WAS TOLD TO ME OVER THE PHONE. 
iT SEEMS TO ME EVERYTIME I WAS TOLD THEY TOOK THE LATE CHARGE OFF IT WAS PUT BACK ON BECAUSE THE STATEMENT DID NOT REFLECT WHAT WAS TOLD TO ME OVER THE PHONE. 
SO MY MIN PAYMENT IS HIGHER THEN IT SHOULD BE AND BARCLAY WO N'T FIX THE PROBLEM I WAS LATE ONCE ' DUE TO THEIR WEBSITE. BARCLAY IS NOT TAKING OFF THE THE LATE CHARGE AND NOT CREDITING THE STATEMENT CORRECTLY. 
THIS HAS TO LOOK INTO FOR FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX
Product: Student loan

Dear Consumer federal student aid ( FSA ) Bureau, I am writing to file a formal complaint regarding student loans that have been taken out in my name without my knowledge or consent. These fraudulent loans have had a negative impact on my credit report and I have been receiving bills for them for almost two years, XX/XX/year> is when I found out someone took out the loans. I have already been in communication with the lender ( XXXX ) or XXXX XXXX XXXX XXXX XXXX ) regarding this issue and have provided them with a police report and signatures detailing the fraudulent activity. Despite my efforts to rectify the situation, the lender continues to pursue collection on these loans. For one loan the amount was XXXX and loan two was for the amount of XXXX I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the damage that has been done to my credit report. I believe that the lender has violated consumer protection laws by issuing loans in my name without my authorization. I provided the school with everything they asked me for, still nothing. This has cause a strain on me, my health and family. I appreciate your prompt attention to this matter and look forward to a resolution that will alleviate the financial burden that I have been unfairly subjected to.
Product: Credit reporting or other personal consumer reports

I had complained about XXXX XXXX 's XXXX, fradulent and abusive behaivor. Meanwhile, I sent 2 full payments and they said they lost. They found the checks after I keep issuing new payments. At last, my third attempt, the bill got paid completely and I closed my account for their XXXX, abusive customer service. Then I filed a complaint about their hostile, abusive, XXXX behaivor. Later, they sent me a refund by check completely as an 'apology '' during XXXX. I ended my complaint after the check recieved. Few days later, they reversed the refund, added many late fees, intetest fees on already closed account and reported my account as late, non payment. When I called how, why, the XXXX manager said they refunded me by mistake. When I disputed, the manager implied my race and said 'I was a XXXX, I know how to deal with people like you '' on a recorded conversation. She refused to let me speak with a higher manager to complain about her, continued to be abusive. Then hang up on me without any resolution. I filed another complaint. They responded something completely different to close my complaint. Then as a retailation, bullying tactics, they added more late fees, interest fees and reported my account for late, non-payment. In the middle of my real estate buy/sell, they intentionally decresed my credit scores, causing me financial loss. The dispute against XXXX XXXX Credit Card was NOT about the product, it was their XXXX, abusive, bullying managers and numerous mistakes after 7 months!
Product: Credit reporting or other personal consumer reports

This is follow up report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : 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  TRANSUNION : 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 Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Checking or savings account

XX/XX/2023 {$26.00} XX/XX/2023 {$26.00} Experian credit report They changed twice for something I don't know what it is..
Product: Debt collection

I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # ending 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXX XXXX. Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to clear errors on my credit report starting XXXX XXXX until now. Recently Equifax inadvertently changed my address to reflect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I had in the past months sent them a copy of my ID and my utility bill but they changed it to reflect something incorrect. Secondly, there were several items removed off my credit report in the past months, On XXXX XXXX, XXXX the items were not listed on my credit report, on XXXX XXXX XXXX I refreshed my credit report and they had readied the errors back on my credit report without sending the reinsert letter which is a clear violation of the FCRA, FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. 

Here are the accounts added on my credit report without sending the reinsert letter XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX - {$45.00} XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX - {$78.00} XXXX XXXX {$54.00}