23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.
Product: Mortgage

Once again I received your XXXX letter denying my claim and to produce FHA denial letter XXXX me. This is my last request for Wells Fargo to provide FHA denial letter. I do not want your Wells Fargo 's summary as Wells Fargo can not be trusted because Wells Fargo is a common thief that have lured its employees to lie on its behalf. You do not have a FHA denial letter from the Government of the United States who gave you its money to keep homeowners in their homes, therefore you continue to dance around said issue as you can not produce FHA denial letter. If you do not settle with me for stealing my home/asset for {$570000.00}, I will have no choice but to hire a skilled attorney and Wells Fargo will pay said attorney 's fees. Please note truth challenged Wells Fargo XXXX XXXX XXXX, the money that the U.S. Government won on my behalf and others who have been hurt by Wells Fargo -- YOU ARE NOT PROTECTED FROM LIABILITY IF YOU CONTINUE TO LIE TO KEEP YOUR EMPLOYMENT. Have you no honor? Wells Fargo should refrain from commercials at {$7.00} XXXX a pop x 20 times on one network and pay back the money to the people you have stolen from. DISGUSTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have three inquires on my credit report that I have no knowledge of. I believe a parent has used my information to open an auto loan without my consent. I have contacted the credit bureau to have them removed, in which they stated it can not even though one has already been removed.
Product: Debt collection

XXXX systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower  who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. XXXX has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, XXXX assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver -  wherein the co-borrower is required to pay XXXX to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. 
XXXX is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because XXXX has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Caine & Weiner, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please consider this letter as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting that you provide adequate validation to substantiate your claim.

To properly validate this debt, please provide the following : Verification of the Original Debt The name of the original creditor.

The original account number associated with this debt.

A detailed breakdown of the balance, including principal, interest, fees, and any other charges.

Proof of Ownership and Authority Documentation proving you are legally authorized to collect on this debt.

A copy of the assignment contract or agreement between your agency and the original creditor ( or any intermediary ) that transferred ownership rights to you.

Verification of My Obligation Any evidence, such as a signed contract or agreement, showing that I am responsible for this debt.

Details of any payments made on this account, including dates and amounts, to validate the current balance you claim is owed.

Confirmation of Statutory Compliance Proof that this debt is within the applicable statute of limitations for collection in Maryland.

Pursuant to the FDCPA, all collection activities on this account must cease until you provide the requested validation. Please note that failure to provide sufficient evidence will result in my request for you to remove this alleged debt from my records and discontinue any further collection efforts.

This letter serves as a formal record of my dispute. I look forward to your response with the requested documentation. Please respond within 30 days of receipt of this letter.

Thank you for your attention to this matter.

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

On XX/XX/XXXX I mailed a letter to TransUnion a dispute letter via certified mail receipt XXXX XXXX XXXX XXXX XXXX. It was delivered on XX/XX/XXXX at XXXX XXXX. Upon reviewing my credit report that was pulled today, there are several items that are still in " dispute '' status, and it has been over 30 days since my dispute was delivered to TransUnion. I have not received any correspondence from TransUnion. 

Per the Fair Credit Reporting Act, credit reporting agencies ( i.e. Transunion ) has to review and respond to every dispute it receives within 30 days. If a dispute is not resolved within 30 days, the disputed item must be removed from the consumer 's credit report. 

Below are the disputed items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  # XXXX USBK COURT XXXX GEORGIA DOCKET # XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to damage credit and collect debt purchased from unknown account. Company is not registered with Ohio Secretary of State to even collect where I live
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g XXXX I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is inaccurate information about a collection with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened an account with XXXX XXXX and it was not me. They will not remove or fix the problem
Product: Student loan

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to XXXX XXXX was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with XXXX XXXX, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. I am appalled and disgusted with all three bureaus as well as XXXX XXXX. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and XXXX XXXX as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified. Both XXXX XXXX and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by XXXX XXXX or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to XXXX XXXX. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to Equifax about 2 collection items listed on my credit report from XXXX XXXX XXXX and XXXX XXXX. The original creditors of these items are as follows : XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX and XXXX XXXX original creditor is XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is for {$1000.00} which was first opened XX/XX/XXXX. XXXX XXXX XXXX amount is for {$1300.00} which was first opened XX/XX/XXXX. In these disputes, I expressed that the original creditors, XXXXXXXX XXXX XXXX XXXX and XXXX violated my consumer right to privacy pursuant to 15 USC 1681b 2. XXXXXXXX XXXX XXXX XXXX does not have permission to report anything to my credit report using my information pursuant to 15 USC 1681 4. I would like these items removed from my credit report immediately in accordance with my rights under the Fair Credit Reporting Act.
Product: Debt collection

After pulling my credit I noticed a collection account listed. I have never received any communication from The Law Offices Of Mitchell D. Bluhm & Associates to validate debt. 

I then sent over a validation letter to have them provide physical documentation to validate this debt & make sure they are allowed to collect this debt. I have received no response & contacted the original creditor to request a copy of my HIPPA release form. I have never signed off on a HIPPA release to have a 3rd party debt collector to have access my medical information.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX  XXXX XXXX Charge-off {$4200.00} XXXX XXXX  XXXX Charge-off {$5100.00}