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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists. 

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 

Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law. 

I hereby request the following actions : Immediate cessation of any further disclosure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unverifiable, invalid, inaccurate, and questionable items. These items are not being reported 100 % accurately. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be completely accurate. The accounts listed below are in violation of this requirement. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters I have previously sent regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ). 
Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my Seventh times writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete all other names, any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting ( XXXX  ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative processing ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute. 
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system. 
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't. 
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now. 

So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me.
Product: Credit card or prepaid card

Last week I made the effort to call Comenity bank to a XXXX XXXX credit card payoff. I spoke to several representatives. The 1st representative told me to pay for 3 months {$30.00} to bring my account current. I then told him I prefer to pay the balance in full. He transferred me to another department in Comenity and this person in collections was a Ms XXXX. I told her that I wanted pay off the amount in full but could we do a settlement? She put me on hold and then said instead of the {$1400.00} she would only {$1100.00}. Then she became very aggressive in speaking towards me. This woman spoke to me in a very condescending voice. That made me quite angry, how dare she talk to me like that! Quite of bit of this balance isn't for clothes I purchased it's from magazines this company pushed off on you. XXXX clothing store to my knowledge is closed. I have tried to get in touch with them but all you get is Comenity bank. I want to pay this off to rid of Comenity and their collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.
Product: Debt collection

Prior to XXXX XXXX sending me to collections, I had disputed charges from them because : XXXX they fraudulently signed a legal document electronically with my name giving permission for something I had specifically checked a box saying I did NOT give permission, XXXX they violated the Agreement by not providing the promised services. My XXXX XXXX XXXX XXXX XXXX backed me up and did charge backs on everything that XXXX XXXX charged me. 
Beyond my awful experience with XXXX XXXX, they have defrauded many people in Colorado- see XXXX, XXXX reviews, etc. This is not an isolated incident just relating to me - XXXX  XXXX  has a long standing and well documented practice of fraud. 

XXXX XX/XX/2024 : I contacted Aldous & Associates by phone. The representative was very rude and spoke over me continually. I requested a validation letter. The email they then provided me didn't contain all the required information per the CFPB website. It also didn't include information on how I can dispute the debt, which I intend to do. 

Validation information must include : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide you that information. 
XXXX XXXX XXXXXXXX What I got : This is additional written confirmation that your file with XXXX XXXX XXXXXXXX is now placed in our office. Our office did send a physical letter to your address on file at XXXX The amount owing at this time is {$440.00}. Once this amount is paid, the debt amount assigned to our office will be resolved. Please pay by clicking the link below or call our office at XXXX. Your prompt attention to prevent further collection activity is greatly appreciated. 

Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates P.L.L.C. 


THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 


At this time, no attorney with this firm as personally reviewed the particular circumstances of your account.
Product: Credit reporting or other personal consumer reports

I am experiencing an issue with my credit report on Equifax. I had a credit card account with XXXX that was closed in 2023. This account is accurately reported on both XXXX and XXXX, but it is missing from my Equifax credit report.I have contacted XXXX  multiple times, and they confirmed that they report to Equifax, XXXX, and XXXX. I have also successfully updated this information with XXXX. However, despite my efforts to contact Equifax by phone, they keep redirecting me back to XXXXEquifax 's handling of my issue has been inadequate. They failed to investigate the missing information properly and instead directed me back to XXXX, which has already confirmed their reporting process. This inconsistency is negatively affecting my credit profile.I am seeking CFPB 's assistance to ensure that Equifax investigates this matter properly and updates my credit report to include the missing information from XXXX. I want to ensure that all three major credit bureaus reflect consistent information.Not only that, but Equifax is the slowest of the three major credit bureaus in updating its letter reports
Product: Mortgage

We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute two accounts ( XXXX XXXX XXXX and XXXX XXXX ) along with incorrect addresses, but Experian refused to allow these disputes. The account with XXXX XXXX XXXX was a corporate/business account. I also reported inaccuracy with late payments from the XXXX XXXX account. 

In addition, I only had two addresses ( mailing and physical ) that should be on my credit report.
Product: Mortgage

I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
Product: Student loan

I have completed the 120 required payments under the public service loan forgiveness program. I also submitted the required form to FedLoan servicing to get the remaining balance forgiven XX/XX/2020. However, I am being told I have to wait *up to 6 months* for them and the dept of Ed to process my application for forgiveness. This is both unconsionable and in violation of the regulation 34 CFR 685.219 - Public Service Loan Forgiveness Program. That regulation specifically states " ( a ) General. The Public Service Loan Forgiveness Program is intended to encourage individuals to enter and continue in full-time public service employment by forgiving the remaining balance of their Direct loans after they satisfy the public service and loan payment requirements of this section. '' It never says *anywhere* in the regulation, nor the statute, that I also have to wait up to 6 months for processing. On the contrary, it states it will forgive my remaining balance " after [ I ] satisfy the ... requirements of the section '' and nowhere is there any additional requirement whatsoever about an extra 6 month wait after submitting the forgiveness form.

In accordance with 685.219 ( c ) ( 1 ) ( ii ) I must remain " employed full-time by a public service organization ... - '' until my loan is forgiven. Therefore, adding an additional requirement to wait up to 180, not stated anywhere in the reg is a signficant legal error. And it means I have to stay employed in my current job an additional 6 months in order to obtain the benefits I was promised when I signed up for the public service loan forgiveness program. Nowhere anywhere was I warned about this additional, ( legally impermissible ) super-regulatory requirement.

I am requesting that you force FedLoan servicing to process their part of my loan forgiveness application *immediately*, in accordance with the regulation.

I understand the dept of Ed also has to process the application for the loan to be forgiven, and that they do this after FedLoan servicing finishes processing it. I know that the same standard applies to the dept of Ed as is stated in the regulation section I provided, so dept of Ed also needs to process this immediately. However, I do not believe you have any jurisdiction over the dept of Ed so I have raised that issue with my Senator in hopes they will respond favorably to him.
Product: Mortgage

GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.
Product: Credit reporting or other personal consumer reports

Experian have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

Per FCRA 15 U.S.C 1681i ( a ), all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my lega team to file complaints with the FTC, CFPB, Attorney General of ( Ohio ) along with any further legal action we deem necessary including but not limited to civil and punitive damages. 
Also these companies are reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Credit card

I am facing severe financial hardship from fraud on my corporate credit card issued by Citi, which has directly impacted my ability to make timely mortgage payments. 



Here are the details : Fraud Incident : {$40000.00} in fraudulent charges were made on my Citi corporate credit card, which I reported immediately. Citi initiated an investigation with an expected XXXX resolution, later extended to XXXX  days, with no clear timeline on final reimbursement. 
Financial Hardship : This fraudulent activity has maxed out my corporate card, forcing me to pay all my extensive, work-related travel expenses out of pocket. These costs have reached tens of thousands of dollars, leaving me with insufficient cash to cover personal obligations. 
Risk to Employment : I am required to travel extensively for work ; diverting cash to cover my mortgage would make it impossible to fulfill my job requirements. This financial strain from XXXX investigation delay is the sole cause of this missed payment. 
Credit Report Damage : This situation has damaged both my and my spouses credit scores by over XXXX points each. Given our plans to buy a new home next year, this drop in our scores will hinder our ability to secure favorable terms for a loan. 


Considering Citis role in delaying resolution, I respectfully request that Citi should bear responsibility for the consequences of its extended investigation.
Product: Student loan

In  XXXX    XXXX   my daughter,  XXXX   XXXX  applied for and received from Navient Income-Driven Repayment Plan. She was instructed to pay {$200.00}, up from the {$110.00} that she had been paying. She made the {$200.00} payments in  XXXX  and  XXXX , confirmed by Navient via email. NOW, my daughter is receiving  " Past Due '' statements!! This is HORRIBLE!    Back in early  XXXX  I was told by Navient customer service that she could get a 60 day courtesy hold on her account, only to find out when she called to get the hold placed, she could n't!!   I want to see  Navient stay with the the monthly payment amount that they set when the application for repayment was processed and stop this constant setting of past due on the account. Navient  has all the contact information to communicate any changes and yet they choose not to use them until after the fact. There should n't BE any changes, it 's ridiculous!   My daughter is making good on her part to get payments made to keep her account in good standing and it 's lik e Navient is doing all they can to sabotage her.
Product: Credit card or prepaid card

I went to use my value city credit card today XXXX and was told I closed my credit card, I havent closed anything I have hood credit plus I paid this credit card on time, I expect this Company to activate this card again. Dont understand why they would closed without permission. A lot is going on with credit during this pandemic.