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

Dear US Dept of Edu/ Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX XXXXXXXX, XXXX, XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested original documents from the Debt Recovery solutions, LLC., but they stated that they have no copy of any records sign by me, and ca n't give me no records whatsoever. I believe this charge to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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
Product: Debt collection

Im not sure how this is on my records but the company will not prove its mine.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

There is a collection on my credit report from XXXX XXXX, with an address attached to the collection that does not belong to me. I have contacted XXXX XXXX and informed them that I am a victim of Identity Theft. Below are the account number and also the amount that was placed on my credit file. Thank you for your prompt attention to this matter Account Number Account XXXX Amount on credit reports ( Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX below is the letter I have sent in certified to XXXX XXXX Account XXXX XXXX XXXX Fraud Department To whom it may concern. I have received notification that a negative account has been reported to my credit file, this account does not belong to me I was recentlv a victim of fraud and the address for this account is and has never been a place of residency for myself, I have attached a copy of the police report filed for your review Please remove this negative account from all three bureaus XXXX, XXXX, XXXX Thank you for your time and consideration in regards to this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase mortagage did not update my account information correctly. Credit report shows Ive been late on my mortgage payments for XXXX and XXXX of this year which is not correct. Ive been current on my mortagage payments since XXXX of this year.
Product: Debt collection

This company calls me at least 9 times during the day from different numbers. For example, on Monday XX/XX/XXXX, I received a call at XXXX XXXX from number XXXX, at XXXX XXXX from number XXXX, at XXXX from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  form number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX. 

This company has called me at work while I am in meetings, call the operator at work and had them transferred their calls to my desk number and so far, this company called me 15 days in XXXX on my work phone alone, including on Sunday XX/XX/XXXX. Only once, they left a message and the person accent made it very hard to understand what she was saying. I have a screening service but they hang up without leaving a message. I am frustrated!!!! This is harassment!!!!!! 

These are some of the XXXX numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. There are more but I don't have the time to list them all. One of the numbers did have the name Midland Credit Management on the caller ID.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

XXXX BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want these unauthorized inquiries removed immediately according to Federal Debt Collections Reporting Act ( FDCPA ) 623 Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to Bank of America complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX  has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called Bank of America, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Product: Credit reporting or other personal consumer reports

I was notified of a debt in collections owned by XXXX XXXX XXXX, originally owned by XXXX XXXX, when it was reported to the credit bureaus on XXXX. I have no knowledge of this account, which is associated with an address I have no affiliation with. I disputed this account with each of the three credit reporting bureaus. 

Equifax denied my dispute on XX/XX/23 and stated the account information is accurate despite the associated address not previously being on my account and previous issues with identity theft noted on my credit ( which is frozen ).
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX Loan # XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The card is listed as FEB DESTINY. the card was opened within XX/XX/year> and XX/XX/year> I filed a fraud complaint. 
This is a predatory card. XXXX dollar limit, XXXX dollar annual fee. so as soon as you get this card people would be at 25 % usage. I would never ever use a card like that.
Product: Bank account or service

I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).
Product: Student loan

Please note that this case is affiliated with [ Case number : XXXX ]. 

I am submitting this complaint due to my experience with Fedloan Servicing concerning the PSLF program. In XXXX, my colleague contacted the Department of Education inquiring as to whether her 501 ( c ) ( 6 ) employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was a qualifying organization for purposes of PSLF. The Department of Education affirmed that the organization was a qualifying organization under PSLF. When I submitted my PSLF certification to Fedloan Servicing in XXXX of XXXX, I was denied by Fedloan Servicing without explanation. The letter stated, " Organization does not qualify. '' Fedloan Servicing subsequently revoked my colleague 's PSLF eligibility claiming that our 501 ( c ) ( 6 ) organization was not a " qualifying organization '' for purposes of PSLF. I requested supervisory review of my personal application but the only information that I received back from Fedloan Servicing is that " organization does not qualify. '' Additionally, one of Fedloan Servicing employees told me that she was unaware of any 501 ( c ) ( 6 ) organizations that were approved as " qualifying organizations '' under 34 CFR Section 685.219 ( b ) for purposes of PSLF. 
This is denial is contrary to the regulations because my 501 ( c ) ( 6 ) organization clearly provides XXXX and meets the requirements of a " public service organization '' as defined by the regulations. The Department states in the proposed rule ( pg. XXXX, http : XXXX ), that the statutory definition of " public service job '' is meant to include " certain non-profit organizations that are not qualified under 501 ( c ) ( 3 ) of the IRC, but that meet the other statutory requirements and qualify as public service employers under XXXX. '' Congress clearly defined " public service job definition '' in the XXXX ( XXXX ) to include both " public education '' and " public interest law services. ''
Product: Checking or savings account

I went to the branch 3 separate occasions, no manager was there, I made an appointment just to see why my savings account was frozen. I made an appointment, when I got there manager was on lunch. I waited she explained that my account was frozen because my son social security checks had been deposited, but his name wasnt on my account. She asked me to scan documents and email them to her, I havent heard a email, call or anything
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 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX contacted XXXX, XXXX, And EXPERIAN FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Product: Mortgage

Servicing of my mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX XXXX, 2014. 
Since that time I have not received any monthly statements. I have had an attorney helping me submit information to obtain a loan modification under HAMP. While we do this, the foreclosure action on my house has been suspended. 
I recently wrote what I believe was a " Qualified Writen Request '' for information. They wrote back providing some answers, but not answers to all my inquiries. 
I have writen to them again, asking for clarification on the interest rate, as they sent me a letter showing it at 9.375 %, which is clearly higher than the XXXX rate plus the 6-month Libor rate, adjusted semi-annually, that the mortgage states as the interest rate. 
I am now asking you to help me obtain this information, as Nationstar has not provided what I need, and I am concerned about getting the information I need.