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

While recently relocating and subsequently attempting to apply for health care, I discovered that Experian has two addresses on my report ( which XXXX also uses for identity verification ) that are NOT addresses in which I ever resided near or in. I suspect somehow my identity and information may have been compromised at some point, but I only discovered this in XX/XX/year> while applying for health coverage through XXXX XXXX and my rental applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2015 Amount : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to be held responsible for not keeping my data safe and now I am facing possible identity theft and ruined credit. The will only offer monitoring services that includes a clause that no legal action can be taken against them. They also omitted to notify me about what happened as soon as they knew it ( they omitted to tell the public for a month what happened ).
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear, XXXX XXXX XXXX I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX Please consider this letter a formal request for the following : XXXX. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt.

2. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order.

3. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

I talked with a loan rep about doing a lot construction and permanent loan. He assured me with my VA status it would be no problem. Also I would not need to put anything down or 10 % of the construction cost. I moved forward with the application and discovered they was not able to do such a loan and what he claimed was not possible. I requested to speak with management about what happen and she attenpted to cover up the actions of the loan rep. I was mislead in an attempt to obtain my credit file. It was deceptive trade practice and false information about loan product.
Product: Credit reporting or other personal consumer reports

Can not acsess my free credit reports online numerous times and i can not get them!!!
Product: Student loan

I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.
Product: Student loan

On Wednesday, XX/XX/2022, I called & requested a refund from Edfinancial for payments I made toward my loans during the pandemic. I wasn't aware that was something I could do until that day -- otherwise, I would've requested a refund a long time ago. They notified me that it would take XXXX business days to process the refund, plus an additional 60-120 business days after processing approval to receive the refund itself & have the loan balance reinstated on my account. I am a pell grant recipient & am eligible for {$20000.00} in student loan forgiveness. Throughout the pandemic I made {$7900.00} in student loan payments. I actually stopped paying because I couldn't afford to keep making payments. I needed that money then & I especially need it now.

Other student loan servicers are quoting 4-6 weeks for refund timelines. Edfinancial seems to be the only one quoting us at 6-12 months to receive our refunds. I'm requesting the refund because I need my money now -- not in 6-12 months. Edfinancial also stated that they won't reinstate the money on our accounts until after the refund has been deposited to us. Additionally, they can not send us any confirmation email or record that they sent our refund requests. This raises many concerns for me. It appears they do not want to give us back our refunds at all. I don't expect to get my money back immediately. I understand they're overwhelmed, but not providing confirmation makes me feel like they don't intend to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting that I have two accounts with them one I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.
Product: Vehicle loan or lease

'I paid off my car almost XXXX years ago and requested the title, but I haven't received it. '
Product: Checking or savings account

XXXX XXXX XXXX Marcus Bank  locked and closed my Savings acct. XXXX XXXX said account XXXX is closed and fund {$7500.00} will be mailed back to me to the address on file in a few days. 
XXXX XXXX spoke with XXXX XXXX hold for 50 minutes and supervisor will call me back. Never did. 
XXXX spoke will XXXX and told a manager XXXX will me back. XXXX XXXX called back stating acct is being closed. Fund will be forwarded to my linked external XXXX XXXX XXXX in 1 ~2 weeks. 
XXXX spoke with XXXX. Acct is closed {$7500.00} will transferred to my linked external XXXX XXXX XXXX  - XXXX. 
XXXX spoke with XXXX. He said a supervisor will call me back TODAY to wrap up this case. Never did. 

So far 3 conflicting statement were given to me. 

XXXX supervisor XXXX. She said she closed the acct and transferred the {$7500.00} to my external XXXX XXXX. case # XXXX. Fund will show up to XXXX XXXX  in XXXX days. But it did not happen. 

XXXX supervisor XXXX told me XXXX had some internal error. Fund did not go out before. Fund now transferred out to XXXX XXXX  XXXX XXXX ET with case # XXXX. 

I have not received my money so far. 
Marcus Bank  lied to me over and over and held my money for 2 weeks so far. This is very unprofessional and criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Transunion & XXXX  a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but Transuion said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX followed the proper steps and deleted these items from my report & I thank them.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 58 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 58 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Dispute of Inquiries on Credit Report Dear Experian Dispute Department, I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent, and I request that they be investigated and, if found to be invalid, removed from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 604.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify any and all accounts you post on a credit report through the physical verification of the original signed consumer contract. Failure to do so could result in the inclusion of fraudulent accounts, which may adversely impact my ability to obtain credit. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the inquiries listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

**Name of Account | Account Number | Provide Physical Verification | XXXX XXXX. XXXX XXXX  XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Bank XXXX XXXX XXXX. XXXX XXXX XXXX  | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Capital XXXX NA XXXX. XXXX XXXX XXXX  | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Capital XXXX NA XXXX. XXXX XXXX  XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Credit XXXX XXXX  XXXX 6XXXX XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | XXXX XXXX XXXX 7. XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Experian XXXX XXXX I demand that Experian verify the validity of these inquiries by providing physical verification of the original signed consumer contracts associated with each inquiry. Failure to do so will result in their removal from my credit report, in accordance with FCRA guidelines. 

Please investigate these inquiries promptly and provide me with the results of your investigation. I appreciate your attention to this matter and look forward to a resolution. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
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 Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I refinanced my home at the end of XXXX. Some of the proceeds from the transaction were used to payoff a credit card. The title company disbursed funds to payoff the credit card. The title company 's escrow check has cleared their account but the credit card company has n't posted the payment to my account. I called the credit card company with the title company representative on the line XXXX. Each time, they asked the title company to fax a copy of the cleared check and my account number to them ( a different fax number each time ). The title company has fax confirmation that both faxes went through XXXX one on XXXX/XXXX/15 and the other on XXXX/XXXX/15 ) ; however, the payment has n't been applied to my account. We called the credit card company again today and still have n't reached a resolution.
Product: Debt collection

The company XXXX XXXXXXXX XXXX also going by the name XXXX XXXX XXXX reported my cell phone account with XXXX XXXX XXXX to XXXX as being unpaid. Said company did not validate the debt nor did it give me the opportunity to request validation and did not correspond with me at all and in truth this debt has been paid. The company has therefore violated the Fair Debt Collections Practices Act and needs to remove the false information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from Portfolio Recovery Associates is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. The Portfolio Recovery Associates account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and Portfolio Recovery Associates. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and Portfolio Recovery XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the Portfolio Recovery Associates identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted TransUnion regarding discrepancies on my credit report. Despite my initial inquiry, TransUnion has yet to respond. I am writing to bring these issues to your attention and seek resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report is as follows : XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : XXXX  : The reported balance of {$1000.00} is contested, as I recall a lower amount. 
Requested Correction : I request the deletion of the Past Due amount, as this account is closed and XXXX. Kindly mark this account as disputed to prevent any adverse effects on my credit score.

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : XXXX  : This account is not mine. 
Requested Correction : Remove the XXXX account from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Discrepancy : This account is not mine. 
Requested Correction : Remove the XXXX  account from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : XXXX  : The reported balance of {$390.00} is disputed ; I believe it should be a lower amount. 
Requested Correction : Mark this account as disputed and exclude the Past Due amount, as the account is closed and XXXX. Additionally, verify the accuracy of the Date Opened, Date of Status, and XXXX  Reported details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX US Bankruptcy Court XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2021 and XX/XX/2021. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Non stop calls for a debt I do n't owe and they wo n't identify
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX