23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was notified in XXXX XXXX that repayments would be restarting even though I had been in graduate school since XX/XX/XXXX which I had previously submitted by loan deferment request. I was previously with XXXX but after the switch to Mohela, apparently all the information was lost. As a result, I am being charged for loan payments and interest on my subsidized loans even though I should be in deferment and the interest on my subsidized loans should be paid. 

I submitted a new loan deferment request in XX/XX/XXXX but apparently the request has not been processed yet ( expected to take 90 business days to process! ). As a result, I have been charged interest and repayment amounts that I should not be charged for.
Product: Debt collection

I have made multiple attempts both recently ( two days ago ) and in the past as well to get in contact with XXXX XXXX University XXXX. In the fall of XXXX I signed up for two classes. I received no credit from XXXX XXXX because they would not access my financial aid even though I had been awarded it. I repeatedly sent the information they requested yet they continued to ignore me and not access the financial aid that had already been approved by FAFSA. Despite this XXXX did not access my account. Therefore, I did not attend the classes because I did not have the financial aid to buy the books required. Once I figured out that the school had no intention of accessing my financial aid it was too late to drop the classes. All of this was done while I was working diligently to get all documentation that they wanted, with no response from the financial aid office at XXXX. I had an awful experience at XXXX and could not get any assistance ( no matter how many times I tried ) from the financial aid office or my advisor. XXXX has now sent me to a collection agency by the name of Williams & Fudge , Inc for the amount of {$3800.00} for classes that they did not provide to me. I never received one call, mail, or email notifying me that I had an outstanding balance or that I was at risk for being sent to collections. The only reason I found out I had this balance is because I tried to order my transcripts for a new school that I am attending on XX/XX/XXXX. When I tried to order my transcripts I was unable to due to a hold. I then called the financial aid office asking why there was a hold and they told me I had been sent to collections for {$3800.00}, shocked I asked to speak with someone in charge and I was put on hold and then hung up on. Fast forward to now a week later XX/XX/XXXX, I oddly get a statement in the mail after not getting one at all this entire time. Seems too coincidental that after all this time I get absolutely nothing notifying me of my outstanding balance, but now all the sudden I get a statement after calling the office about a hold on my transcripts. I have read many reviews of XXXX XXXX University XXXX and there are dozens of stories just like mine, it is upsetting that this institution makes double the profit from financial aid students trying to get an education.
Product: Mortgage

It came to my understanding that some mortgage companies are being accused of engaging in predatory servicing or lending servicing schemes. I was concerned about the allegations of targeting the uneducated and uninformed consumer. So on XX/XX/XXXX I send certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX a RESPA QUALIFIED WRITTEN REQUEST to get an understanding and clarification about the accounting and servicing of my mortgages. 
On XX/XX/XXXX at XXXX I also sent an email asking for a copy of the original contract I have with SERVISOLUTIONS along with all allonges, indorsements, and any other modifications to the original contract. On XX/XX/XXXX at XXXX SERVISOLUTIONS supplied a copy of the alleged note with XXXX notation of or from SERVISOLUTIONS XXXX 
On XX/XX/XXXX I received the PS Form 3811 showing that the RESPA QWR was delivered to SERVISOLUTIONS On XX/XX/XXXX at XXXX I sent an email to SERVISOLUTIONS requesting information of who the fiduciary was over my loan and what where their duties, responsibilities, roles, and obligations. 
On XX/XX/XXXX at XXXX SERVISOLUTIONS replied back stating that they are responsible for the day to day management of my loans. 
On XX/XX/XXXX I received a letter dated on XX/XX/XXXX stating that my loan has been recommended to the foreclosure department. Also saying that I may be able to go thru an alternative workout plan and give them a call. I also received a notice of pending acquisition dated the same date XX/XX/XXXX. They never sent the requested documentation requested in the RESPA QUALIFIED WRITTEN REQUEST. Which is in violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Central portfolio control has not only violated FDCPA and TCPA they continue harass me via text messages, attempting to collect on alleged debt that violates the HIPPA Laws. Central portfolio bought my personal info, name, address, and social security number which is identity theft. 

18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse-A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion and also in response to a letter I recieved on XX/XX/2022, but dated XX/XX/2022 ( attached labeled TransUnion letter, requesting additional information to prove my mailing address. In their letter provided/attached, TransUnion stated that, " Before we can mail anything to my address, that they need proof that my address is accurate. TransUnion also asked that I send a copy of two ( 2 ) different items, which is a violation of my consumer rights according to 15 USC 1681h. According to the laws, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). TransUnion stated, " You must submit copies of two ( 2 ) qualifying documents, listed in their attached letter. According to congress, I XXXX XXXX, has provided all of the proper Identifying documentation needed to prove my identity and my address, as to which TransUnion sent the attached correspondence to the address in question, that they are requesting additional information for to prove its accuracy. I am aware that TransUnion has all of the information needed to follow through with what is being requested of their company.
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the investigation and deletion of unauthorized inquiries on my credit report. I have attached an affidavit of dispute affirming the authenticity of this request. 
These inquiries were made without my consent, and upon contacting the listed creditors, they confirmed they do not have evidence that I initiated these inquiries, nor do they possess any written or verbal authorization from me, as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ) . However, the CFPB has highlighted limitations in the EOSCAR system, noting that automated processes can be insufficient when accuracy depends on verifying underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and full verification of all relevant documentation.

Additionally, I am specifically requesting any original application forms or initial documents that creditors may have on file. This is to ensure that only responses based on primary documentation are considered, rather than automated EOSCAR confirmations.

Under the FCRA, these inquiries violate requirements for permissible purpose, verification, and accuracy. The relevant FCRA provisions that support my request are outlined below : 1. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes : Since I have not authorized these inquiries, they do not meet the permissible purposes outlined in this section.

2. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Inaccurate or Unverifiable Information : The FCRA requires credit bureaus to delete unverifiable items promptly. As there is no verifiable authorization, I formally request the removal of these inquiries.

3. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right to Access and Verification : The FCRA mandates that credit agencies verify each inquiry, including an original signed contract proving my consent. Since you can not provide this documentation, I request the removal of these inquiries.

4. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers : Information providers must ensure accuracy and authorization ; these inquiries fail to meet these criteria.

5. Section 605A ( 15 U.S.C. 1681c-1 ) - Identity Theft Protection : This mandates the removal of unauthorized inquiries potentially linked to identity theft. I request deletion under this protection. 
Relevant Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe XXXX XXXX ruled that accessing a credit report without a legitimate purpose or consumer consent violates the FCRA. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) upheld that credit inquiries must meet permissible purpose requirements, supporting my request to remove unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

XX/XX/year> PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$580.00} on account SYNCH-XXXXXXXXXXXXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of  XXXX   XXXX   XXXX   XXXX   XXXX  at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in   XXXX  . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I  have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have  also contacted the Attorney General,  XXXX   XXXX  regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a "  XXXX  '' and a "  XXXX  '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried correcting this issue but my balance is continuously being reported incorrectly. On XX/XX/2023 there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both XXXX as well as studentaid.gov says {$30000.00}. This needs to be corrected.
Product: Debt collection

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to transunion & XXXX  XXXX {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. Transunion reports XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for transunion & XXXX  where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, these entries were created fraudulently without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for your prompt attention in removing these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX  30 days XXXX  60 days XXXX  120 days but on equifax its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Product: Debt collection

This account was paid in full - They cashed the check XX/XX/2018.