23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The issue is that, before the transfer of my federal student loans to XXXX, my then-student loan servicer Fed Loan Servicing gave me an incorrect determination for my XXXX request. The timeline of events is as follows. 

On XX/XX/XXXX, I uploaded to FedLoan Servicing a XXXX Application. The Application came with a letter signed by me explaining that I sought XXXX for three specific loans which I had had since XXXX or before. Furthermore, I explained that I was XXXX XXXX in the XXXX from XXXX until XXXX. So, from my time in the XXXX that's approximately 8 years that should count towards the 10 years required for XXXX for the loans I specified. In addition, since XXXX I have been working at a federal agency, so that should count as an additional year toward the 10 year requirement. 

My letter also explained that because I am a veteran and my ex-employer the Department XXXX XXXX XXXX XXXX is difficult to work with, I could not find who at XXXX should sign Section 4 of the Application ( Employer Certification ) that certifies that I worked at that employer for an amount of time. Instead, I provided my official letter from the Department XXXX XXXX XXXX that said that I was XXXX XXXX and that I entered service XX/XX/XXXX and was XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my XXXX Application was received by XXXX. While I waited for it to be processed, I went ahead and paid off one of the three specified loans in my Application, because it was such a low balance. 

On XX/XX/XXXX, I received notice that my PSLF Application Determination was made. The Determination said that there was missing information, the Employer Certification. So, XXXX XXXX did not accept the official letter from the Department XXXX XXXX XXXX. 

On XX/XX/XXXX, I received notice that my loans were transferred to XXXX. So, now it's XXXX 's problem. 

This series of events is problematic, because I have since found out that consumerfinance.gov has resources for veterans applying for XXXX that explicitly says that alternatives to Employer Certification exists. So, XXXX was able to process my XXXX Application and grant me the approx. 9 years of service towards the XXXX for the specified loans. FedLoans Servicing malfeasance has several negative waterfall effects. For one, I have to repeat the XXXX Application with XXXX. Second, XXXX is currently overwhelmed and difficult to communicate with as a result. Three, and this is a major concern, because of the {$20000.00} Debt Relief granted for which I qualify, there is a great risk that the Debt Relief will be applied toward the specified loans in my XXXX  Application for which I do not want Debt Relief since I am so close to satisfying XXXX  requirements. I'd rather have the Debt Relief applied to my more recent federal student loan debt which I incurred in XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are some inaccuracies on my credit report, I sent Transunion, XXXX and XXXX verification letter for the accounts in question on XX/XX/2019 via certified mail. Within the letters I needed a copies of verifiable proof that in fact the accounts were mine. After about 27 Days I got letters back saying all the accounts were verified and did not give me any documentation to prove their findings
Product: Credit reporting, credit repair services, or other personal consumer reports

its now been more then 45 days with no response. i sent in a letter on XX/XX/XXXX and XX/XX/XXXX with failure to validate negative accounts which are defamation of my character. also no response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.
Product: Debt collection

XXXX XXXX XXXX XXXX its reporting to the credit bureau a medical bill that does not belongs to me. I have requested validation of the item requested via phone after several attempts to disputing the collection directly with the credit bureau. I requested the company via phone to send me my confidential medical records with my writing release, no answer what so ever clearly violating my rights under HIPAA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 6802, 15 USC 1681b, 18USC 1028A. ACCT NAME : XXXX XXXX XXXX ACCT # XXXX. This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Phone number XXXX isn't verifiable according their " fraud '' dept. Once my transfer from my other bank was cleared. Using my card Created this problem then my account was all of a sudden placed on hold/restricted. I did nothing irregular for this to be flagged. I am the owner of the account so it not a big deal it will be fixed. Calling to fix the issue only to find out the " only '' way to fix it now is to send a pass code XXXX time text to my registered device. They told me it's not allowing them to send it. I still don't understand why. The only other way is to send a reference code via " mail ''. Ok! When i recieved the letter it explained to give them a call so you can verify the transactions and make sure im the owner of the account, so I called the number gave them the reference code. Even after I gave him the reference code it's still was not easy to get my account from being restricted to accessible. Finally I had access it was normal only for about a half a day. Now it's restricted once more for using my debit card as anyonen should be allowed without a problem even when entering my pin. They must lack common sense. Now I'm going to call and easily fix whatever it is without the snail mail verification because I've already done that. Again they can't verify my number. They said they need to send me a text to verify my identity. I really taught they are going to realize I got a letter instead of the text messege so it was already fixed and its just a simple fix. I didn't understand how are they are so backwards and have no common sense knowing the letter they sent was to verify me. Here I am and they keep playing game doing random things to my account. Making it a miserable experience. They hang up when I make sense and speak the facts. Very rude lack knowledge. I have to wait for the letter again. What a joke!! This tops every bank outthere. They are outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX  Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Continental Finance cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Continental Finance has refused to do so. Continental Finance never afforded the opportunity to avoid such communication and trafficking of my information. Continental Finance is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Continental Finance has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX  did not provide the promised instruction or service. 
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. 
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. 
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.
Product: Mortgage

XX/XX/XXXX, BSI assumed my mortgage loan. The payment due was {$1700.00} for XX/XX/XXXX. I continued my previously scheduled payment of {$3000.00} dollars, which BSI applied the overage to XXXX 's payment and charged interest. I contacted BSI via telephone and asked that they deduct all overages from the principal balance for the life of my loan. The overage was reversed. XX/XX/XXXX, an escrow refund in the amount of {$5100.00} was removed from my escrow account. I received that refund a month later after inquiring about the money being removed from my account. In XX/XX/XXXX, BSI once again elected to divert a payment without explanation. I contacted them via telephone again and requested that any and all overages are to be applied to the principal balance. This practice that financially benefits BSI is unethical and unwarranted.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Have no record of XXXX XXXX account being past due or sold to EOS. No validation of debt or even documents that support the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check issue date XX/XX/year> Claim number : XXXX Check number : XXXX XXXX never made corrections to my credit reports. Removing all negative information.
Product: Debt collection

XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.
Product: Checking or savings account

Wellsfargo is saying that my account is closed and then they send me another card with a different account and tell its closed too when I was bout to deposit money into my account they close it without telling me in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Unauthorized Subscriber Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within XXXX days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Debt collection

reporting an erroneous account to XXXX credit bureaus that have not been verified
Product: Debt collection

My rights have been violated : National credit system- XXXX XXXX. Unfair practices National credit system failed to investigate my dispute within the FCRA time frame! The company then sent me a letter with a different mailing address from the address listed on my reports claiming I never contacted them about this debt! I then sent in my proof of previous dispute letters with usps documents and the company is breaking the law by now stating they have sent my disputes to the Credit beureas. Furthermore the company has uploaded false documentations. You uploaded documents stating I moved out of XXXX XXXX XX/XX/2020. A lie. Also the documentation claim that the Notice of debt was mailed to the same address listed as the move out address! How would I have gotten this notice?! I have attached proof and demand this account is deleted
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX BANK is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, TRANSUNION, and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting

XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct
Product: Credit reporting or other personal consumer reports

Account name : XXXX  XXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these docum
ents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.