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

On XX/XX/XXXX of XXXX, Discover Student Loan was contacted by me via certified mail requesting the following information which I copied directly from the letter : " I need the account, Discover Student Loans with account number XXXX, records blocked or deleted from XXXX, XXXX, and XXXX. You have no permission to report any records or information to these institutions without my permission. '' This account was furnished as late on my consumer credit report. My letter was received. Please see the attached certified mail number : XXXX. 

Moreover, on XX/XX/XXXX, I contacted XXXX ( XXXX ) via certified mail and with confirmation number XXXX on XX/XX/XXXX. XXXX was contacted on XX/XX/XXXX via certified mail, XXXX and on XX/XX/XXXX with confirmation number : XXXX. XXXX was also contacted in the same manner on XX/XX/XXXX, XXXX and on XX/XX/XXXX with confirmation number XXXX. 

Additionally, I specified Discover XXXX XXXX had " 10 Days to Delete this account, XXXX, from all consumer reporting agencies but not limited to XXXX, XXXX, and XXXX. '' Not only the violation ( late information reported ) is still active and live on the institutions, Discover XXXX XXXX has not replied to me via mail stating the violation has ceased. 

In the letter attached below, the receipt and and the response letter that does not respond to my request is attached.
Product: Mortgage

I am a XXXX XXXX. Due to COVID, I was unable to make my mortgage payments on time for the month of late XXXX and XXXX. XXXX  XXXX  were cancelled. I was only assisting on 2 XXXX  XXXX  at best per week. I did not want a forebearance because I thought that it would hurt my credit score. I was under the impression that being late during the initial period of the COVID would result in no negative impact on my score. I was able to make the mortgage payments but late. I have reached out to loan depot on several occassions and asked them if they could remove the late payments from my credit reports due to COVID. They however, have told me no over and over again. I was only recently told about the second late yesterday. I value my credit and even during this pandemic, I have stayed strong and paid my bills. I have not received any unemployment or such. I am an XXXX  XXXX. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX XXXX XXXX  5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Product: Student loan

I was trying to consolidate my student loans into a single loan. However, due to an issue with the paperwork from my school to the XXXX XXXX XXXX, only my XXXX XXXX loan showed me as graduated while my other 8 XXXX unsubsidized loans took an additional 2-3 weeks to show me as graduated. In the interim, I had applied for consolidation through the department of education website. Shortly after, I received a notice from Navient stating that 8 of my loans could not be consolidated due to the " in school '' status. However, instead of stopping there, Navient " consolidated '' my XXXX XXXX loan by itself, which did not actually combine any loans together but did raise the interest rate on this loan by 0.025 %. When I called them, they said that the notice sent to me states that I could have chosen to not consolidate the single loan and that since I did not opt-out within a few days of receiving the notice, they would not undo my loan/return the interest rate to its original amount for when I eventually consolidate all of my loans together. However, their notice is not as clear about this as they claim. When they said I have the options to remove loans from my consolidation, I think it is natural to assume they meant I could remove the loans that were unable to be consolidated due to " in school '' status. Also, I think it is predatory to " consolidate '' a single loan ( which simply raises the interest rate ), and that I would have to opt-out rather than opt-in to this action that only worsens my interest rate without any benefit.
Product: Checking or savings account

I have a business account with PNC bank and a personal account They put a hold on XXXX out of no where I cant make payroll or pay vendors And after 9 visits to the branch and 20 plus calls to customer service they refuse to tell me why they are withholding my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  XXXX  (  XXXX  )  XXXX
Product: Vehicle loan or lease

I purchased a car through Prizim Financial ( in XXXX, Ohio ) back in XXXX with a co-signer ( my mother ). I was the main leaser on the vehicle. I turned the vehicle in for a voluntary repossession after an accident and the company refusing to work with me to get another vehicle. The woman working there called my co-signer asking about the next payment and never contacted me. My co-signer and her had a bad conversation to where the woman said she would not accept any further payments on the vehicle and if it defaulted she would pursue garnishment towards me and my co-signer. When I called in to speak with her she refused to speak with me. My co-signer was then issued a garnishment letter as so was I ( I was working part-time and ungarnishable based on wages ). When I tried to speak to the lawyer over the case ( XXXX XXXX ) he refused to offer any settlement or set up a payment arrangement, stating that his client did not want that and suggested bankruptcy. When the car was turned in there was a balance of {$3000.00} left on the vehicle. My co-signer has since become chronically ill and unable to work and I was recently in 2019 issued a garnishment letter at my new employer ( where I still work part-time ) out of the state from where I purchased the vehicle, and the balance reflects {$6100.00}. It appears as if the garnishments never paid anything. When reaching out to the lawyer I still have not received a call back. When calling the car company to speak to someone about this again even though it has been years later, I was told " yea that sounds like something XXXX would say. '' When this initially happened I was considering bankruptcy but did not have enough debt to file ( and I still do not ), and the lawyer told me that he used to work for the company and decided to stop working for them because they did this so often, and since being a bankruptcy lawyer has dealt with so many cases from this company around the same issue. I'm not sure how this can be resolved when not even given the option to make a payment, and being refused to be spoken to when I was the main person on the account. After reviewing this company they have several complaints with the XXXX XXXX   XXXX regarding unfair lending practices, a 1 star rating as well as a 1.5 star rating on XXXX and various same complaints.
Product: Debt collection

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX L. 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

Thank you for your attention to this matter. I look forward to your prompt and complete response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

Mohela has been transferring loans to Mohela? They discontinued their app, making it even harder to access my account, not to mention the fact that their website has been down for the past week, making it impossible to pay my loan. Im positive they will be quick to slap everyone with late fees when in reality they have abysmal customer service and user interfacing. As one of the main federal loan companies I am sure they are making money hand over fist off of our loans, and yet they are one of the most infuriating companies to try and get ahold of. We wait months for responses and even then they are clueless and useless responses. Mohela needs to be held accountable and get their act together or I will be pursing legal action.
Product: Debt collection

This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. 
I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. 
IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting to my credit. this has been an ongoing issue that needs to be resolved. all items are invalid, none verified, an illegal that is listed reporting on my credit. please review an remove the listed items asap to show the correct items cleared on my credit report.
Product: Mortgage

This home equity mortgage was paid off in XX/XX/2016. XXXX is still reporting this as active on my credit report and to date still has not sent me the cancelled mortgage despite charging me {$160.00} to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX The XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 2 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARDS opened at XXXX XXXX {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX {$6100.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eperian will not provide a free credit report online from XXXX, it reads : > We're sorry > > A condition exists that prevents Experian from being able to accept your request at this time. 
> > To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
> > Annual Credit Report Request Service > > XXXX   XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

harris and harris has called seveal times and left messages wanting to collect a debt from the previous owner of this telephone number that they have on file. i have called them back several times to explain that the number they are calling was given to me by XXXX XXXX when i signed up for sevice as we had to get a new phone number with the service, and the person they are looking for does not live here. they get ignorant about it and just hang up, and keep leaving messages.the phone number for harris and harris is XXXX can you help me!?
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into these accounts as there appears to be an error regarding their accuracy on my credit report. These accounts were removed previously but have since been re-added without my knowledge. I was neither notified about their return nor received any communication about this via mail.
Product: Credit reporting or other personal consumer reports

I request reinvestigation and removal of unverifiable information in accordance with FCRA for the following inaccurate accounts : Rocket Mortgage, XXXX XXXX, XXXX XXXX Bank XXXXXXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. Despite multiple dispute submissions, the credit bureaus have failed to provide sufficient verification or remove inaccurate and unverifiable information from my report. XXXX is currently facing legal action by the CFPB for failing to comply with FCRA requirements, which further supports my claim for reinvestigation. I am requesting that the CFPB intervene to ensure compliance with federal law and the facilitate the removal of inaccurate and unverifiable data.
Product: Credit reporting or other personal consumer reports

They are four fraudulent inquiries thats done on my XXXX and XXXX and XXXX credit report that I need to be removed immediately!! The four fraudulent inquiries are XXXX XXXX XXXX XXXXCREDCO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these inquiries to be removed IMMEDIATELY