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

I am filing a complaint against Equifax for failing to investigate a disputed student loan account on my credit report within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). I submitted a dispute requesting the removal of this account, yet Equifax has exceeded the 30-day period required to conduct and complete its reinvestigation.

Regardless of whether the account belongs to me, Equifax is obligated under federal law to investigate and verify the accuracy of the disputed information in a timely manner. Their failure to do so is a direct violation of the FCRA, and as a result, this account continues to negatively impact my credit profile.

I request that the Consumer Financial Protection Bureau investigate Equifaxs noncompliance and take appropriate enforcement action. Furthermore, due to Equifaxs failure to investigate within the required timeframe, I demand the immediate removal of this student loan account from my credit report.
Product: Credit reporting or other personal consumer reports

I have asked at least 8 time to show me proof of debt or take off my report after I asked 4 times to remove as this is not my debt. 

Also they show XXXX as a debt twice on my report and its NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When I applied for the XXXX XXXX American Express Card, I was told there was an introductory APR of 0 %. This was in the Terms and Conditions. Also in the T & C is a statement that no interest will be charged if the balance is paid in full by the due date. What is the point of a 0 % APR if interest will be charged regardless? When I called the bank, from whom I received the card, they told me that that was just the way the card works, no further explanation. I made purchases with the above mentioned card, and in my second statement was billed for nearly {$20.00}.
Product: Debt collection

Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$14000.00} To Whom it May Concern, Navients attempt to validate your claim is vague and insufficient and the documentation that has was submitted is vague and lacking competence. 

Wet ink copies of statements or application bearing my signature were NOT provided. 

Proof of a contractual agreement with bearing my signature was NOT provided. 

Navients computer screen print outs submitted are vague, lack competence and are therefore unacceptable. 

Navients attempt to validate this claim is therefore unsatisfactory. 

Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of XXXX in their question to damage my credit standing. XXXX retaliatory tactics for filing a complaint against XXXX  with the North Carolina Office of Financial Regulation. 
Furthermore, due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you. 

I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth. 



Sincerely, XXXX XXXX CC : XXXX XXXX XXXX
Product: Student loan

My XXXX XXXX for the XXXX plan with Mohela has been processing since XX/XX/XXXX. 

Since XX/XX/XXXX I have called Mohela numerous times to try and get answers and get my application approved. 
A lot of these phone calls also required long wait times, only to get the same answer each time, and my application still is processing : - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX hours and XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX hour and XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) Each phone call, I was told by the representatives that they were still working on my application. I would ask them why it's been taking so long and if there's any further documentation I can submit. They would tell me there was no further documentation required from me, or they would transfer me to a higher-up representative who would tell me the same thing and that I would just have to wait. Each representative would extend my administrative forbearance so Mohela had more time to process my application and that would be it. My administrative forbearance is now set to end XX/XX/XXXX and it's been very frustrating. 

I understand Mohela has been undergoing a lot of changes, which has impacted call times negatively. But I believe I have been patiently waiting for a long time, and my application should have been accepted by now. I don't have time to keep calling Mohela, and being put on hold, just to be told the same thing.
Product: Credit reporting or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my XXXX XXXX family as well.
Product: Debt collection

This company " Midland Credit Management '' with Account # XXXX has been reporting fraudulent inaccurate and inconsistent information with each credit bureau to my credit reports. I have no prior knowledge of this account before checking my credit reports This account is not mine and I never signed a responsible of debt with this company. I have requested them to send me a " validation of debt '' providing me with the purchase agreement to show me full ownership of this account is in fact mine. They did not provide me with the original contract as I had requested
Product: Checking or savings account

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.
Product: Credit reporting or other personal consumer reports

As a consumer, I RECENTLY requested that several times that certain inaccurate and erroneous items be removed from my credit report. these items were shared without WRITTEN CONSENT PURSUANT TO 15 USC 1681 ( B ) PERMISSABLE PURPOSES FOR WHICH CONSUMER CREDIT REPORTS CAN BE ACCESSED BY THIRD PARIES ; THAT WERE DAMAGING MY XXXX XXXX, STANDING, AND REPUTATION FOR YEARS. I have requested over and over for these items to be removed, due to certain items being inaccurate, but for years now, all XXXX XXXX XXXX XXXX have failed to do so and has left my reputation in dishonor. All of the disputed Items '' have come back verified '', but AS A CONSUMER I DEMAND TO KNOW ALL OF THE STEPS TO ENSURE THESE ITEMS WERE 100 % ACCURATE. UNDER 15 USC ss 1681i ( 7 ) METHOD OF VERIFICATION- DESCRIPTION OF INVESTIGATION PROCEDURE. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. Please send the following information used to validate the items below, A COPY OF THE CONTRACT INCLUING ALL ORIGINAL SIGNATURES ON BOTH PARTIES TO EACH CONTRACT, A TRUE BILL FROM THE CREDITOR SHOWING BOTH ENDS OF THE LEDGER EVERY TRANSACTION, THE LETTER I PERSONALLY SIGNED AND GAVE CONSENT FOR ANY OF THIS INFORMATION TO EVEN BE FURNISHED ON MY CREDIT REPORT TO BEGIN WITH, OR otherwise delete them immediately, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY THE XXXX XXXX XXXX ACCOUNT # XXXX {$490.00} THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY XXXX XXXX $ XXXX THIS INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY REMOVE ALL OF THE ADRESSES BELOW FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX XXXX XXXX  XXXX MI XXXX NOT XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX IS NOT MY XXXX REMOVE IT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And Transunion And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXoriginal creditor XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} information is not accurate and has not sent me any validation proof of debt Please delete this from my credit report immediately. I am a victim of identity breach and theft.

Right to privacy 15 usc 1681 governs access to consumer credit report records and promotes accuracy Fairness and the privacy of personal information assembled by credit reporting.

My information was exposed by Data breach
Product: Mortgage

PennyMac engaged in antitrust behavior and refused to provide me an official loan estimate unless I provided them one that I received from a competitor. When I did, they still did not provide me one in the legal format, which may have been to hide fees, even though their email motto is " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' When the rep did not provide an official loan estimate, I complained to the CEO. The rep immediately responded to me and stated " Pricing went up today. I am unable to get the quote from yesterday without their official loan estimate from XXXX XXXX. Yes you got the CEO get the middle management involved and that does not help with pricing or getting a loan estimate faster. '' He once again reiterated his anti-trust behavior in requesting competitor rates before providing me one and retaliated against me complaining to his CEO by noting that he is increasing prices and taking longer to provide this data. Most recently, he has also asked for more financial documents. I can not trust this representative with my financial data and he is a danger to all clients and to the financial industry with this behavior.
Product: Debt collection

This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from XXXX XXXX XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. XXXX and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #. ) has violated several of my rights. 

15 U.S.C1681section 502 A. Clearly states that I have the right to privacy.

15 U.S.C1681section 604 A. Section 2 : it also states a Comsumer reporting agency can not furnish an account without my instructions.

15 U.S.C 16668B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation or several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I applied for a free XXXX card that isnt even a credit card it links to your debit card i was denied this card for no resin and have a hard inquiry on my report which is ruining my credit i want it REMOVED ASAP! and want my credit adjusted and the point are added to my score
Product: Credit card or prepaid card

On XX/XX/XXXX I woke to my card being lost so I checked my online account and XXXX h as s been stolen from my Edd Bank of America prepaid account. I did with any person would do call the number to customer services to B of A prepaid located in their website and made a claim regarding my missing moneys my card was canceled and a new one to be shipped with in 3 days. On the the XXXX no card arrived so I called B of A and they advised me my account was frozen by edd. I contacted edd fraud and they advise me this issue was a B of A that Edd had nothing to do with freezing account. They wrote a email and sent it out stating that I had been verified through XXXX and that they had not frozen account as well as fixed the error that had been non existing before my date of birth. I contacted B of A they refffered me to my sponsor after 6 different calls in attempt to reach risk or card holder services I spoke to a supervisor that advise me a express letter to reactivate account had been sent out. XXXX more request a birthday error fixed and 17 yes later I have not been able to access my money I keep getting referred to sponsor. I can't access my money my, deposits or anything regarding my online account I have asked to be transferred to risk or fraud and been told they are not allowed to to speak to sponsor. I was part if the thousands of account shut offs at the beginning of the year and know that after verification with ID verify you call B of A and their risk department then verifies info and freeze is removed. This is no longer possible if you have a freeze. I had a friend call and ask to be transferred to fraud once reached them they refused to help and transfer me to Edd. Edd mentions that they have nothing with account being closed now but that B of A should help me out. Again after different responses from b of a one being the backside handles accounts frozen and th e y have no number and the agents have no way of getting in contact or can't transfer call the second being fraud handles accounts being unfroze but is extremely busy they have no direct number and can't be transferred. Once again I had my friend call after verification by fraud then risk she said she no longer B ended them but I did and I go into call verify my self through their process once able to access account they state my accounts under review that it shouldn't be long before I get contacted by b of a I have received 3 emails from b of a stating changes where made to account and yet still no access. Upon being able to speak to edd regarding my payment I was told it was mailed out and would receive checks now due to b of a freezing account for fraud. So now do I not have access to my {$9600.00} and change but I'm still have no idea what is going on with my claim for my {$500.00} that was stolen I have yet to receive a debit card and have no access to my online account. Yet b of America continues to I refer me to sponsor and refuses to transfer me to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit line XXXX XXXX XXXX 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: Debt collection

Innovative recovery is reporting a collection on my reports that I am not familiar with. I have reached out to them for validation of debt and documents pertaining to this account. In return I received a copy of a lease and an Itemized statement with a place for a managers signature which was missing. A lease with no signature and missing signature for the XXXX makes this account and debt invalid as they do not have proof of any legal binding documents to validate this debt as valid and hold be liable. I am requesting that this account is deleted from my credit reports.
Product: Debt collection

I signed up for orthodontic treatment through XXXX and began making monthly payments. However, on or around XX/XX/year>, XXXX shut down operations without completing my treatment. I did not receive the remaining aligners or support, despite having paid for services not rendered. 

XXXX filed for XXXX XXXXXXXX bankruptcy on XX/XX/year>, and publicly confirmed they would no longer fulfill treatment obligations after closing their platform. Despite this, a collection agency ( TekCollect ) opened a collection account against me for the unpaid portion of the treatment. 

I dispute this debt because XXXX breached their contract by not completing my treatment plan. I contacted TekCollect to dispute the validity of the collection, as it reflects charges for services that were never delivered. I also filed a dispute with the three credit bureaus requesting removal of this inaccurate entry. 

This collection account is negatively affecting my credit report, even though it is based on an invalid debt resulting from XXXX bankruptcy and service shutdown. 

I am requesting CFPBs assistance to have this collection account removed and to stop further collection activity on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had over 30 inquires on my credit report and tried to take to company about removing them are was denied any help
Product: Credit reporting, credit repair services, or other personal consumer reports

As I recently reviewed my consumer report, I noticed there are still incorrect addresses furnished on my report. This is inaccurate information and there should always be 100 % accurate info at all time pursuant to the FDCPA. This is not my first time telling Experian to remove this inaccurate information off my report.
Product: Credit reporting

I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.