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

XXXX XXXX XXXX is reporting that I took out a XXXX Loan. I did not. what they are reporting is a shared income agreement that I made with XXXX XXXX. This is not a XXXX Loan but they are reporting it as if I borrowed money and I did not. I agreed to pay XXXX XXXX some of my income but only if I make over a certain amount per year and I do not make that much per year so I do not owe anything at the moment. I never borrowed any money. It says right on the top of the contract " THIS IS NOT A LOAN OR CREDIT '' but they are reporting as though it is. I attempted to dispute this with the credit bureaus but they said that to reporting party certified it was accurate. That is not an investigation at all. I did send them the contract that said this is not a loan or credit but they seem to ignore that factor and they still have it reporting under XXXX Loan. Since this is not credit or a loan its does not fall under the same consumer laws. It should be removed.
Product: Student loan

I received a notification today that a collection was added to my credit report in the amount of {$24000.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I woke up today and check my credit report and I seen all those fraud inquiries that shall delete from my credit report. Those inaccurate fraud inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

MOHELA ( the servicer I was transferred to when I applied for Public Service Loan Forgiven ) has given me conflicting information regarding a refund after my PSLF forgiveness. On XX/XX/XXXX, I was told my loans were forgiven and that I would be refunded all payments made from XXXX XX/XX/XXXX. It was explained to me ( on that date and previously ) that my discharge date ( or when I hit 120 payments ) was XX/XX/XXXX after the waiver ) which made sense as I consolidated in XXXX. When I called back around XX/XX/XXXX, I was told they did not see a refund for me in the system and I should wait until the end of the month. However, others that I know that were recently forgiven and received refunds had an increased balance that included the refund amount prior to their balances going to XXXX. That did not happen for me. I call MOHELA back on XX/XX/XXXX after speaking with FSA who told me that DOE issues refunds via the Treasury Dept. based on what MOHELA sends them. On XX/XX/XXXX, a MOHELA supervisor told me she did not understand why a request for refund was not submitted and she was sending one for me during our call and she would see what it would do, which did not sound anything was going to materialize from her efforts. In the last 2 months, I have receiving 4 different responses. I am following up on my refund. Thank you.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft I was incarcerated when these accounts was open FRCA 605b ( 15 U.S.C & 2681c-2 ) these fraudulent accounts are not mine and I request that Transunion put block on my credit report within 4 business days from receiving this complaint.XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax XXXX I am writing to demand the immediate removal of fraudulent accounts listed on my credit report that were opened due to identity theft. I recently reviewed my credit report and discovered multiple accounts that I did not authorize and that I have no knowledge of. This situation is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to SECTION 605B of the FCRA it is illegal to report inaccuracies to a consumer 's credit report.

Under the FCRA, Equifax is obligated to investigate and resolve disputed items that result from identity theft in a timely manner. It is clear that these accounts are fraudulent and must be removed immediately from my credit report. The law requires that these items be removed promptly upon my dispute of them, and I expect nothing less. 
I also want to make it crystal clear that Equifax is currently facing legal action for failing to adhere to the guidelines set forth in the FCRA, and I would hate to escalate this matter further by involving my attorney. However, should you fail to comply with this dispute and rectify the error within the legal timeframe, I will have no choice but to bring legal action against you. I will also report your failure to comply with the FCRA to the appropriate regulatory authorities.

This letter serves as my formal request for the immediate removal of the fraudulent accounts in accordance with my rights under the FCRA. I expect your prompt attention to this matter and a resolution within 30 days, as required by law. Please provide me with written confirmation of the removal of these fraudulent accounts. 
I trust that Equifax will take swift action and resolve this issue without further delay. However, should you fail to address this dispute appropriately, I am fully prepared to take all necessary legal actions to protect my rights and seek any damages to which I am entitled. 
Thank you for your immediate attention to this serious matter. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT BALANCE : XXXXXXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT BALANCE : XXXX XXXX  DATE OPENED : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX I applied through my bank, XXXX XXXX, to refinance my mortgage. I have Credit freezes in place with all 3 credit agencies since I have been in the past victim of identity theft. I lifted the freezes without difficulty on-line with XXXX  and XXXX. However, 6 weeks later, I still have not been able to lift the Equifax freeze. I therefore can not refinance my mortgage. 

I have done the following with Equifax : 1. Tried to get the online account working without success. 
2. I was then requested to mail a request of the credit lift, along with 2 forms of identification which I did. 
3. I was never notified that the freeze was successfully lifted. Equifax states it was lifted, but XXXX was not able to access my credit stating the freeze was still in place. 
4. I went through this process a second time with the same result, it was not lifted and XXXX XXXX again could not access my credit report. 
5. I have tried multiple times to work with Equifax IT to fix my online account unsuccessfully. 

At this time, I have wasted hours and house of my time, XXXX XXXX time, and I STILL HAVE NOT ACCOMPLISHIED ANYTHING AND I CANT REFINANCE MY HOUSE! 

Whats else do I do?
Product: Credit card or prepaid card

I received an offer in the mail for XXXX Business Card promotion where I would get XXXX points after spending {$5000.00} in 3 months. I applied online with the promotion code and got approved. After receiving the card and before activating it, I called XXXX to verify my bonus eligibility since I had the similar card in the past. and they confirmed that I am eligible ( since I did n't have the same card in last 5 years ). 

I have spent almost {$3200.00} in first 2 months already and now they are telling me, I will not eligible for the promotion even I spent {$5000.00} in 3 months since I have had the card in the past. 

I am very upset and do n't know what to do next. These people are outright dishonest.
Product: Mortgage

I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage.
Product: Credit reporting

XXXX, Experian And XXXX are repeatedly violating the Fair Credit Reporting Act by not verifying information on my credit reports. I keep asking them for written, signed by whom verification for items that are on my credit report and they just keep sending letters back stating that it is verified, not sending me what I requested. Also they have been changing the report dates on items that are on the reports to prolong the reported item to stay on the credit report for a few more years. One account in particular is a bankruptcy that showed up on my credit reports that they refuse to verify, ca n't verify because I already called the U.S. Federal Bankruptcy Courts for this region and I was told by the court that they do not, will not and ever report information to the credit reporting agencies. what baffles me is that they are not sending me signed, written verification, who is verifying the information? According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Lew to verify, Through the physical verification or the original signed consumer contract, Any and all accounts that are posted on a credit report otherwise, Anyone paying for my credit reporting services could fax, mail or email in a fraudulent account. If the account can not be verified or validated, It must be removed immediately!! I will be seeking an attorney and filing a lawsuit on this matter as soon as possible!! XXXX has just settled a class action lawsuit for the exact same thing I am filing this complaint over, And I am part of the class.. XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Experian XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. If they can not send me signed, written verification or signed, written validation on these Bankrupcies listed on their reports, It must be removed immediately!!! Thank You for your time in this matter. If you need any more information, Feel free to call me at this number, ( XXXX ) XXXX. XXXX XXXX.
Product: Debt collection

Back in XXXX XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX   Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XXXX, so I had the original balance in the paperwork and I explained this to the Representative. 

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX  and was told they can not do this. The attached letter is what I received and that is all, no other communication.
Product: Credit card or prepaid card

XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff again.
Product: Credit card or prepaid card

I have had this card for 3 years now. At the time I applied I was only eligible for a secured card with a {$200.00} limit. They advertise that after 6 months of good payment history they will give you a unsecured card with a higher limit. I have requested a credit limit increase many times, and to be given an unsecured card. I continue to get denied and told they will review it and increase it automatically. In 3 years with a great payment history they still have not given me an unsecured card, raise my limit, or allow me to apply for an unsecured card because I already have a secured card. I also have a Capital One Walmart unsecured card that has only a {$300.00} credit limit, also had it for years with an excellent payment history, but again, no credit increases. I have literally only had 3 payments that were just a couple of days late in the whole 3 years, and they were due to a mistake, not failure to pay. I have had a checking account with them for 4 years and get regular weekly direct deposits from my paychecks. So they don't even need to verify my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA To Whom It May Concern, On [ I disputed an account reported by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers 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. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX  Date of last report : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First this account had already been submitted by another collection company under the name of XXXX and this account had been disputed and the closed case now appears again under another collection company CREDENCE, previous case for this account was under CFPB case # XXXX for XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day, there are items on my credit report that have resulted from fraud, all transactions and charges on these accounts are fraudulent. I never benefited from any of these transactions. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety and undue stress.
Product: Debt collection

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sr/Madame : I received a debt collection email from you and would like to know if you have the correct person? Can you supply me with a contract or agreement signed with your company or the creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 



PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this and IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them with notice of my dispute owing this debt. 



Thank you for your immediate cooperation. 



XXXX XXXX
Product: Student loan

Navient has send XXXX of my Student loan to XXXX XXXX XXXX XXXX when I remain in College at this with other Student Loan from Navient. Also, my co-signer received the same letter. They should not even be part of my Student Loan. They state that if I pay XXXX that the Loan would be settled. I know this is Not true.
Product: Credit card or prepaid card

I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.