23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in a Covid-19 forbearance with my prior servicer, XXXX. After my forbearance expired, my advocate submitted a modification application to Rushmore via email on XX/XX/XXXX. We received no acknowledgment of receipt of the application, other than an automated email reply. On XX/XX/XXXX, my advocate sent an email to the same address provided for submitting applications, inquiring as to whether the application had been received. There was no response to this query, other than a similar automated email reply. My advocate called Rushmore on XX/XX/XXXX, and the customer service representative informed her that the application was complete and was " with a processor. '' Today, XX/XX/XXXX, my advocate called Rushmore and the customer service representative informed her that the application was still " with a processor. '' My advocate stated that Regulation X 's time frames for reviewing the application had been exceeded, and the representative disagreed, saying that the application had been deemed complete only on XX/XX/XXXX. Setting aside for the moment that, if that were true, Rushmore still had missed Reg X 's deadline for making a decision on the application, my advocate observed that while Rushmore had never acknowledged receipt of the application, as Reg X requires be done within five days of receipt, neither had it requested additional documentation or information, and no additional documentation or information had been submitted in support of the application since the application was submitted on XX/XX/XXXX. Accordingly, the application was complete when submitted, and review of it should have been completed by XX/XX/XXXX. The Rushmore employee simply told my advocate that she could submit a complaint about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX Equifax and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX  BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit card or prepaid card

cant not get my addressed changed so i can recive my card they keep sending it to the wrong adress
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX  Account # XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date : XX/XX/year> Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2022 Status updated XX/XX/2022 Incorrect information
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to American Credit Acceptance written, unwritten, verbal, nonverbal to report my non-public personal information. American Credit Acceptance is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by American Credit Acceptance that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which American Credit Acceptance has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. American Credit Acceptance also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or XXXX written consent to report American Credit Acceptance account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report American Credit Acceptance on my report
Product: Credit reporting or other personal consumer reports

I am writing to request verification and validation of a debt that your company, XXXX XXXX, claims I owe. The debt is listed on my credit report under [ Account Number ], and I do not recognize the debt or the details associated with it.

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am entitled to request verification of the debt within 30 days of your initial contact, which I am now exercising. In accordance with this provision, I request the following information : Proof that XXXX XXXX is the legal owner of this debt and has the right to collect it. 
The name and address of the original creditor to whom this debt was owed. 
The amount of the debt, including any interest, fees, or charges that have been added. 
A copy of the original signed agreement or contract that indicates I am legally obligated to repay this debt. 
A statement showing the current balance and how it was calculated. 
Documentation proving that this debt is not past the statute of limitations for collection, as per my state 's laws. 
Under the FDCPA Section 809 ( 15 U.S.C. 1692g ), if you do not provide the requested documentation, you are required to cease collection efforts, including reporting this debt to the credit bureaus, until you have properly validated the debt. 

Additionally, if you are unable to provide the required documentation or verification of this debt, I request that you remove this debt from my credit report with all three major credit bureaus ( Equifax, Experian, and TransUnion ), as you are legally prohibited from reporting an unverifiable debt. 

Please provide the requested documentation to me in writing within 30 days of receiving this letter. I also request that any future attempts to collect this debt be halted until proper validation is provided. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this dispute.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

XXXX XXXX XXXX I am formally requesting the following actions : XXXX. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XX/XX/XXXX{$3400.00} XXXX XX/XX/XXXX{$3700.00} XXXX {$260.00}
Product: Credit card

I have tried to get this issue resolved since 2022 and have yet to receive a refund owed to me in the amount of XXXX
Product: Mortgage

I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.
Product: Debt collection

After a dispute with two items on my credit report, the creditor agreed on XX/XX/21 to remove the two items from my credit report. The items were not removed. I again disputed them to show that creditor agreed to remove them but now they are saying the information is verified as accurate. How can they say that when they had agreed to remove them. The original creditor was XXXX XXXX Bank for both accounts. The amounts were {$1200.00} & {$1400.00}. Now the account is listed under LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX  when Equifax and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge Equifax never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of identity theft, however I went through everything far as paying to have my credit repaired.. starting over and credit freeze and whoever stole my identity is still using it .. Ive dispute so many items on my report that I had no knowledge of it was a shame. Inquires I cant get anything in my name! I cant get a bank account XXXX car loan home loan XXXX an even a background screening without being turn down. TransUnion suppose to handle the situation and havent. What do I suppose to do?
Product: Debt collection

I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I track down the person who use my information fraudulently to open a security system at an address I never live at. Ive tried contacting the company. They told me I have to prosecute this person but I dont have money to hire a lawyer. Thats not my signature in the application I have a police report is there anyway this can be removed I dont have money to hire a lawyer the person who used my information Her name is XXXX XXXX . The number that this person use on the application is not my number I was able to XXXX that number and I found a website by the name of XXXX XXXX XXXX I put that number in and her name came up. She also has a XXXX. She used a XXXX XXXX on the application as well. I was able to locate that XXXX  by the name of that email on the application.
Product: Debt collection

I was getting phone calls every single day from sun up to sun down. Now Im getting calls every other day. I have asked them to stop calling me due to being deaf and told them I couldnt hear on the phone. And when I do they hang up on me. I have blocked many numbers ( probably well over XXXX different numbers ) and continue to get calls. I have threatened that if they had called me again that I would sue for harassment. And they constantly call me still. Its emotionally draining, distressing and abusive how theyre tactics work.