23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husband and I both graduated from law school in the mid  XXXX  's and  XXXX   XXXX  suggested we do a joint consolidation of ou r Fede  ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there.     In  XXXX , we applied for  an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the  three  years we were on the plan. At some point during this time,  XXXX   XXXX  switched  to Navient. Navient lo st our paperwork for  XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until  XXXX   XXXX . I recieved a call from a company called  XXXX  telling me our student loan was in  Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction.     Based on what I can tell from  XXXX ,  Navient apparently had transfered our loans to a state agency in NY -- - XXXX  ? who  again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent  XXXX  ( at there r equest ) a n email asking them to open an investigation into the matter in mid  XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on  XXXX   XXXX , we received packets from this  XXXX  and  XXXX  telling us that we have 11 day s ( until   XXXX   XXXX   ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero  communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA.     Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings.
Product: Debt collection

I am writing to formally report LVNV Funding LLC for violations of the Fair Credit Reporting Act ( FCRA ) regarding a loan that has been incorrectly reported to the credit reporting agencies as belonging to me. 

Despite my repeated attempts to resolve this matter, LVNV Funding LLC has failed to provide any signed documentation or contract evidencing that the loan in question is mine. Specifically, I have requested these documents twice, but LVNV Funding LLC has not complied with my requests. 

Additionally, LVNV Funding LLC has not marked the item as disputed with the credit reporting agencies, as required by FCRA regulations. This failure to accurately report the disputed status of the debt is a clear violation of my rights under the FCRA. 

Additionally, please be informed that this loan has been reported to the Federal Trade Commission ( FTC ) as a fraudulent item under identity theft. A copy of the FTC identity theft report is attached for your reference. This further underscores the urgency and gravity of the situation, and the need for immediate action to rectify this issue and prevent further harm. 

I kindly request that you take appropriate action to investigate LVNV Funding LLC 's non-compliance with FCRA regulations and ensure that the incorrect information is corrected and that the item is properly marked as disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date XXXX inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently we have a mortgage with Rocket Mortgage. After one year they started making numerous phone calls. I finally talked to someone to get them to stop the calls and they told me they wanted to present a proposal for a new mortgage. I told them there was no way they could improve it. They called back later and said I was right. However, without telling me or obtaining my approval they ran numerous reports against my credit. They continuing calling me and harassing me. I have advised them to stop calling me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked as inaccurate, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with XXXX  XXXX in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with 10 percent post judgement interest. In XXXX the company hired an attorney Nicole Hillman. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.
Product: Checking or savings account

Ally 's so-called " fraud protections '' frequently prevent customers from using their ATM/Debit cards as intended, and they refuse to fix the issue even after multiple attempts and notifications. 

1. Our dry cleaner, a large company in the XXXX XXXX XXXX XXXX, is not fraud. Ally has allowed us to use our debit card to pay them in the past, but for some reason has decided they are fraud and now declines all charges. This caused an issue in that we can't get our clothes back because we can't pay for them. We notified Ally of the problem multiple times beginning XX/XX/01 and they continue to say it's being " investigated '' and that their " fraud filters '' will not allow us to use this service. Again, this is an established, well-known company. It is not fraud. Ally refuses to fix the issue. I have never disputed a dry cleaning charge with Ally. 

2. Ally also refuses to let us use XXXX services with our Ally debit cards. I probably don't need to tell you that XXXX is also not fraud. Ordering XXXX XXXX or getting a ride with XXXX should be an easy process, but Ally declines ALL of their attempted transactions. Ally continues to " investigate '' this issue and recently called to tell me they are attempting to update their " fraud filters, '' but there is no solution as of yet. Again, THIS IS XXXX. This has been an issue since XXXX, when I became stranded at the airport in XXXX. I couldn't get an XXXX because ALLY REFUSED TO LET ME ORDER ONE WITH MY DEBIT CARD. I have never disputed an XXXX charge with Ally, yet they continue to insist they can't let me use my debit card for XXXX and refuse to solve the problem. FOR MONTHS. The only solution they have given is, " please continue to attempt the transactions over and over. '' This is not a solution. 

If I give a bank my money and I adhere to the rules of deposits, balances, and debit card use, I should not be told by the bank where I may and may not spend my money. Neither of these merchants are shady, unknown, or even brand new. Yet Ally acts like I'm being unreasonable by insisting that I should be able to use my debit card as I see fit.

They are denying me access to the money I have deposited in good faith.
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 {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 or other personal consumer reports

Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, XXXX, and Equifax, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, XXXX, Equifax, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.
Product: Vehicle loan or lease

I am a victim of the fraudulent loan practices from Wells Fargo for my auto loan from XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX BANK Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with XXXX U.S.C. XXXX, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days.

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.
Product: Credit reporting

I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give XXXX written permission to furnish these accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX