23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by XXXX. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure. 

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law. 

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act. 

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by XXXX from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect XXXX to act in compliance with federal law and take immediate action to rectify this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act,  you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX and Equifax are reporting XXXX accounts that have already been deleted from XXXX. 
XXXX # XXXX {$480.00}, has been removed from my XXXX report. 
XXXX  # XXXX {$620.00}, has been removed from my XXXX report LVNV # XXXX {$920.00}, also has been removed from my XXXX report. These are inaccuracies which is a violation of the FCRA. 
AND once again the bureaus are not reporting or deleting the account as XXXX has. 
XXXX XXXX # XXXX {$0.00} has been removed from my XXXX report, as well as XXXX XXXX # XXXX {$740.00}, has been removed from my XXXX report.
Product: Debt collection

In XXXX of XXXX I had an unpaid medical debt ( not paid because moving house ). I paid it in early XXXX when it went to collection. 

The collection shows up on my credit report, and I need it removed. 

I have contacted Peter Roberts multiple times to try to get the collection removed. On one occasion they suggested that I would have to pay to have it removed. They also suggested that I contact XXXX XXXX, who initiated the collection, and I did. They told me to write a letter to XXXX XXXX. 

On XX/XX/XXXX I used the XXXX platform to send a request to Peter Roberts ( confirmation # XXXX ) to ask them to remove the collection from my credit report. They have not done so. 

I have called XXXX XXXX and they report that they have received no communication from Peter Roberts. I have called Peter Roberts multiple times. On every occasion I am sent to voice mail, I leave a voicemail with my name and phone number ( twice to ensure that it is clear ) and they do not call back.
Product: Debt collection

The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : Addresses 1. ) XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts 1. ) XXXX XXXX XXXX Revolving Individual 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Individual 3. ) XXXX  XXXX  XXXX  XXXX  XXXX Collection Individual 4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Individual 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 investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent  of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 



Thank you, XXXX : XXXX/ XXXX XXXX  ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, Experian, and XXXX for not resolving inaccuracies on my credit report. Despite requesting a re-investigation, the inaccurate information remains unchanged. My prior complaint was closed, but no corrective actions were taken to resolve the issues. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the following : FCRA Section 1681i ( a ) The credit bureaus failed to conduct a thorough investigation of the disputed account, leaving inaccurate information on my credit report.

FCRA Section 1681e ( b ) The information provided by these agencies is not reported with the maximum possible accuracy. They did not verify the data properly, resulting in continued inaccuracies.

FDCPA Section 809 ( b ) The credit bureaus have not provided proper validation of the disputed account, violating the requirement to confirm and substantiate the debt in accordance with the FDCPA. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to review this matter and ensure the credit bureaus comply with their obligations to provide accurate information on my credit report.
Product: Credit card or prepaid card

A debt consolidation check for the amount of XXXX was sent out XX/XX/XXXX to  Capitol One Bank in NC on my behalf from a third party XXXX XXXX XXXX. After a month of waiting there were reflection of the check applied to my account so XXXX XXXX XXXX canceled that check and sent another one for the same amount of XXXX on XX/XX/XXXX with a Tracking number. The tracking number shows that the check was delivered to the XXXX XXXX XX/XX/XXXX. Today XX/XX/XXXX, a representative from XXXX XXXX XXXX and I spoke with Capitol One representatives XXXX and Senior financial officer XXXX and out the situation. It was said that the checks are shredded which means that they are shredding checks without confirmation it was applied to the account. Since then interest has been accruing on the account
Product: Credit reporting or other personal consumer reports

I was attempting to sign up for credit reporting agencies and kept hitting XXXX XXXX meanwhile it was difficult to get a hold of customer service.
Product: Credit card or prepaid card

I have spoken with many representatives in the escalated department regarding late reports on my credit report. I was told to send a " goodwill letter '' explaining what happened and request a one time deletion. I sent the letter in XXXX. I also spoke with a representative that appeared to suggest or led me to believe paying the account off in full in exchange for the one time deletion. I know this has been done for other U.S bank customers. Why am I any different.
Product: Mortgage

Had pandemic forbance due to wife not working. Wife still not fully back to work. Mr cooper sent someone canvassing my neighborhood looking for us to hand deliver a notification saying our forbance was up, yet the still left it in the mailbox. Mr cooper has no right to have someone bugging out neighbors looking for us.
Product: Consumer Loan

Wells Fargo Bank - I have submitted multiple complaints via the CFPB & the responses & or partially answered, not answered or no resolution has been done.. My complaint is that Wells Fargo has a NO GRACE PERIOD AND TAKE FEES FROM LOANS FIRST AND AND THEN APPLIES REGULARLY SCHEDULED PAYMENTS AFTER FEES ARE DEDUCTED. These LATE CHARGES deducted first results in PARTIAL PAYMENTS and therefore OVER 30 Day Collection items appearing on the credit bureau. These fees collected first have caused negative and derogatory credit being reported which is not accurately reported when scheduled loan installment payments are made on accounts. This practice is deceptive and puts negative items on credit bureaus due to a no grace and fees applied first then principle schedule payments applied last on customer accounts. Wells FArgo is deceptive and hides these practices to both customers and to the consumer financial protection bureau by not fully addressing my several submitted and previously sent requests
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, TRANSUNION and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX CARD STATEMENT FOR XXXX XXXX XXXX ENDING IN ( XXXX and XXXX ) were PAID ON TIME BEFORE CLOSING OF STATEMENT DATE. COMPANY REPORTED TO BUREAU LATE AROUND XX/XX/year> CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. I HAVE DISPUTED THIS ISSUE WITH EXPERIAN, XXXX, AND XXXX. NO RESULTS. PLEASE MAKE CORRECTIONS ON MY CREDIT REPORT. MY PAYMENT WAS NEVER LATE. BURDEN OF PROOF IS ATTACH.
Product: Debt collection

On XXXX XXXX, XXXX I received an alert from XXXX indicating a new collection account was added to my credit report. After logging in, I learned XXXX XXXX had placed a collections account, in the amount of {$690.00} from XXXX, on my report. This same account was previously with XXXX XXXX and on XXXX XXXX, XXXX it was disputed. Between XXXX XXXX, XXXX, the account was found not to be valid and removed from my credit reports. Now within a week, XXXX XXXX has placed this account back on my credit report. In addition, I have not received any type of correspondence from XXXX XXXX in regards to this " alleged '' debt -- no letter, phone call, etc. According to the Fair Debt Collections Practices Act, I should have been made aware about this debt and their pre-meditated actions, and since I was not, this is a violation of the FDCPA. 

My research on this collection agency yielded a slew of reviews of their unethical collection practices. I would like this remedied immediately, and I would like for XXXX XXXX to remove this account from my credit report and have an updated copy sent to me. This is a violation and I was this fixed immediately.
Product: Checking or savings account

I had joint checking account with my mother, which we closed in person at the branch early   XX/XX/XXXX  . Currently we have received bill from the bank  (    XX/XX/XXXX -  a year later!!! ) with  XXXX  balance charge which was triggered in   XX/XX/XXXX   by charging our assumingly closed account {$5.00} dormant fee and creating fake interest of {$1.00}. By phoning in this complaint in, I was told they can not waive this dormant fee charge, because there is balance on this line of credit attached to this checking account. They created this mess on their end by not closing this account, despite my and my moms request and created these charges for themselves.
Product: Student loan

I gained XXXX XXXX employment in XX/XX/XXXX. At that time my student loans were with Sallie Mae which eventually became Navient, the student loan service provider for both my government and private student loans. From XX/XX/XXXX-XX/XX/XXXX the foreign customer service representatives ( Navient Customer Service Reps ) gave the impression that I did not have to change anything and that my student loan will be forgiven in XX/XX/XXXX ( i began paying it back in XX/XX/XXXX ). XX/XX/XXXX was the year that I called the foreign customer service line and, again, i was led to believe and told not to worry that my student loan will be forgiven in XX/XX/XXXX. The Navient customer service rep. on the phone led me to believe me and my student loan qualified for forgiveness in XX/XX/XXXX. XX/XX/XXXX arrived and I found out I qualified for forgiveness, but my student loan did not. It made me contemplate XXXX. It was devastating. When I discovered that I qualified but my loans did not, I then began requesting to speak to US representatives. From XX/XX/XXXX-XX/XX/XXXX, I tried to get my student loans to qualify and still do not know the outcome. Basically, I had to start over from XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX through who knows how long. Today, in XX/XX/XXXX, I requested all call transcripts to Navient Customer Service via their website. My loans are finally coded to qualify or, so I think as direct loans but still unclear if the past 10 yrs. of public service will count toward my loan forgiveness. Thus far, those years don't seem to count toward public student loan forgiveness.
Product: Mortgage

I took out my making home affordable loan with Ocwen loan servicing in XXXX. I made payments for about a year ..although when I applied even though I did a XXXX work sheet .there were no expenses listed but my car payment and car insurance. My income has never changed as I am XXXX and recieved an XXXX  check and had lodger who paid. When I was granted the loan my payment never deceased it was the same..but the interest rate dropped to around 3 percent from 6 but they added like 10 years onto my mortgage bringing the loan back to 30 years..this was not helpful but I went threw with it as I was behind in payments .and was not offered the Emap loan which would have been better suited at the start when my credit wasn't that bad as I had like XXXX XXXX equity in the house.thst loan didn't work so another was applied for in XXXX and granted. But again the mortgage amount was not reduced so it defaulted..the case has been on the court docket there was I fact XXXX surplus from the sale. My equity which was applied for then all sorts of excuses not to pay were given like. You don't get your equity in a foreclosure..to extra HUD loans not on the town hall ..which apppear with false signature of mine then signature taken away when confronting the bank who had the signature for a completely different complaint about a company I lodged with them ..then the town clerk agreed .no HUD loan then after that it appears on the town land records..the house still has not been given a release of lien from the Ocwen loan servicing LLC ... although the there is an unofficial record of sale . The bank paid the superior court the amount due. All taxes and insurance are paid in the mortgage payment. The deposit check is in the correct amount for fair market value. It's been a complete cat and mouse game with this loan company and there fraudulent practices by not making my home affordable..granting the loan twice... tacking on false HUD loans not agreed apon. Serving a notice to quit. Coming by and sending the winterization man to look at the house take pictures of the mailbox and outside of the house .then I leave the electric on too .and then they claim they could not get the fair market Value as the pipes froze..which I told the committee would happen if he did not take my keys which were given but the changed the locks anyway..and i have a huge electric bill too as without knowing if they had done their job..I had to keep the electric on..so there was no damage as they claim..they owe me the appraised value as they put me in a position by awarding the loan that wasn't the government required 33 percentile debt to income ..which never made the loan affordable..even though I worked with the court mediation program the first time .it was not going to be affordable. As I had food ..electric ..oil... gas... medical all these expenses not taken into consideration .now they refuse to give me my equity ..it 's a complete con company..Im XXXX years old living on the streets for the past 3 years of battling with the company to pay me the equity which is due and fair.
Product: Debt collection

National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Nelnet, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, Nelnet, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.