23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX trans union collection account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX Account {$110.00} XXXX XXXX XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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

XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is illegally reporting a chargeoff. they will not gi ve me a 1099 C and have NEVER validated the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX 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: Mortgage

In XXXX of 2020 I refinanced my VA home loan in order to take advantage of lower interest rates. My loan was previously serviced by XXXX XXXX XXXXXX/XX/XXXX, with property taxes paid monthly into escrow. It is now serviced through Lakeview Loan Servicing, with property taxes paid monthly into escrow. When I tried to file my 2020 taxes, I reviewed the XXXX from each bank, and both showed that no property taxes were paid for 2020. I contacted XX/XX/XXXX and they said that since property taxes are paid in XXXX, they did not pay them and the money went to Lakeview Loan Servicing. I have spent weeks trying to contact Lakeview Loan Servicing to find out why they didn't pay my property taxes and what happened to the {$7000.00} I had paid into escrow for that purpose. Lakeview Loan Servicing does not have a valid customer service phone line, it is completely automated and there is no way to reach a human to ask a question. There is a message system that makes it look like someone will call you, but I have submitted more than 30 messages with no response. I don't know where else to turn for help. I don't understand how the company can just not allow contact from customers and take thousands of dollars with impunity. How is that legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this
Product: Checking or savings account

Fraudulent charges and was immediately altered but charges keep coming and overdraft fees too! Over {$2800.00} in fraud charges allowed but account balance was only {$700.00} and didnt have funds available. Should have been alerted and stopped but I luckily noticed it the day it showed pending on account and called bank. I have a case number. About 3 direct deposits have been made to account and because of negative balance, can not access any money. Paychecks and social security arent available so XXXX dollars to spend
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from Equifax, XXXX XXXX XXXX XXXX, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : XXXX Equifax XXXX XXXX XXXX To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Student loan

When Nelnet took over my Great Lakes balances, they stated they would not issue account statements without payments. After a manual payment, Nelnet refused to provide a statement. Contacting customer service and other 'contact us ' options led to no response or an immediate closing of the issue with an automated email. 

The manual payments never posted nor credited my account. I do not know where that money has gone. 

The statements were required to continue an employer benefit for loan repayment. Nelnet refused to provide statements, and I was unable to receive my employer benefit. Nelnet 's refusal to provide an account statement has personally cost thousands from missed employer payments over multiple months. 

When Nelnet finally created a statement, my employer applied benefit was not posted to my account. I do now know where that money has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a new credit card with Bank XXXX XXXX. XXXX sent me a letter saying my credit score had been downgraded due to four factors, three of which are absolutely wrong. The letter directed me to contact XXXX the event of any issues. Experian adamantly maintained that they don't generate the credit report, just the score ( my call was transferred several times to several countries, but they all said the same thing ). One rep suggested I try to fix the problem on line, but I found that that is not possible because the website 's canned scenarios don't cover this situation. I called Bank XXXX XXXX, and they said that in fact it is Experian that generates the credit report and the credit score. When I tried again to use Experian 's website to resolve the issue, the relevant links on their own site turned out to be broken. Can you assist in correcting my credit report and credit score? Thanks! 

P.S. A copy of the relevant page from the XXXX letter is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS XXXX XXXX  - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXXXXXX XXXX ) - XXXX ______________________________________________ INQURIES : XXXX XXXX XXXX  XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Debt collection

" XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone.
Product: Checking or savings account

E*Trade Banking decided to lock my checking account, believed to be XX/XX/2023, when it was believed someone else was trying to access my account from a different state which I do not live nor traveled to. I was not informed my account was locked. 
I contacted E*Trade Bank via telephone on XXXX. I was assisted in changing the Password and establishing a secondary PIN number. Password and Pin do not work. 
I contacted, via telephone today XXXX. I asked for a supervisor and after several minutes on hold was told a supervisor would contact me within XXXX minutes. That was XXXX pm edt, its now XXXX edt. I has not received a return phone call. I can not pay rent, buy food, etc. my Social Security is directly deposited to this account. I have absolutely no access of any kind. Several Life insurance policies were canceled, I can not pay my storage shed fee, auto insurance not canceled yet. Help!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My ex spouse ( respondent  )  attorney  XXXX   XXXX   XXXX  subpoena my business bank account statements on  XXXX   XXXX ,  XXXX , due to be produced on  XXXX   XXXX ,  XXXX , at her law office. My attorney  ( petitioner )  filed a motion to Quash the ordered on  XXXX / XXXX / XXXX , the motion was heard by  XXXX   XXXX   XXXX  on  XXXX ,  XXXX  in dept  XXXX . My motion to quash was denied and a protective order was granted filed in court on  XXXX   XXXX ,  XXXX . Respondent attorney sent to Chase on  XXXX   XXXX ,  XXXX  a copy of the order with the decision not to quash along with the subpoena dated  XXXX   XXXX ,  XXXX , with documents due back to the law office by  XXXX   XXXX ,  XXXX . Chase rejected the subpoena as the due date for documents to be received preceded the delivery date by 5 months.   Respondent Attorney issued another subpoena dated  XXXX   XXXX ,  XXXX  with a due date for documents to be received by  XXXX   XXXX ,  XXXX .  Petitioner ' s attorney filed a motion to quash on  XXXX   XXXX ,  XXXX , which was served on Chase and to be heard by  XXXX   XXXX   XXXX . Respondent attorney after receiving the motion quash informed Petitioners attorney that she had withdrawn her request for the subpoenas served, dated  XXXX   XXXX ,  XXXX .  Chase  released  Business  Bank statements on  XXXX   XXXX  without a valid subpoena and against their own objection to the subpoena dated  XXXX   XXXX ,  XXXX . This bank statements were presented in court by the respondent on  XXXX   XXXX ,  XXXX  who is currently representing himself in pro per. Because of the unauthorized release of the business statements by  Chase,  this has caused me to expend additional legal cost beginning with a motion in  XXXX .
Product: Debt collection

On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me.
Product: Student loan

I applied for PSLF on XX/XX/XXXX. I had all my federal loans with MOHELA for years and was current on my XXXX. The company indicated on XX/XX/XXXX, that I made 120 qualifying payments and put my account in forbearance. There was no other clear communication. I called the company to clarify how long it would be for my debt to be discharged under the rules of PSLF, and a staff member indicated that it would be sometime in the coming months. Its now the end of XXXX, and all thats happened is my debt is still in forbearance, which was extended through XXXX. Neither MOHELA nor FSA are providing any information other than that my account needs 90 business days to be reviewed. FSA confirmed that they see I made 120 qualifying payments on qualifying loans and also indicated it would be 90 business days. This is not what PSLF states as far as program rules. Borrowers are told that their debt is forgiven after 120 qualifying payments. In my case, its been 4 months since my final PSLF payment ( and I made 3 more months of qualifying payments while waiting for initial processing ), and my application is still not processed. The question is who benefits from this behavior? It is not the borrower. 

My life is on hold until this debt is forgiven under the terms of the program, and I expect MOHELA continues to get paid by the Department of Education for managing my account even though my final payment should have been XX/XX/XXXX. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed several addresses that were unfamiliar to me. I did not recognize these residences and I am sure I have never lived at them either. My address is XXXX XXXX XXXX XXXX, LA XXXX and should be reported as such. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this request easier and quicker for you all to execute. 
In accordance with the Fair Credit Reporting act. below has violated my federally protected consumer rights to privacy and confidentiality under the following : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, dissemination, and use of consumer credit information, including requirements for accuracy and completeness of consumer reports.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : While primarily focused on debt collection practices, inaccuracies in credit reporting, including incorrect addresses, can also implicate FDCPA provisions, particularly regarding the accuracy and fairness of debt collection activities.

3. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 : This law governs the collection and disclosure of consumers ' personal financial information by financial institutions, including credit reporting agencies. Inaccurate reporting of addresses may raise concerns about the safeguarding of personal information under GLBA.

4. Regulation V ( 12 CFR Part 1022 ) - The implementing regulation for FCRA, issued by the Consumer Financial Protection Bureau ( CFPB ). It provides detailed requirements for the accuracy and integrity of consumer information maintained by consumer reporting agencies.

5. Regulation F ( 12 CFR Part 1006 ) - Implementing regulation for certain provisions of the FDCPA, issued by the CFPB. While primarily focused on debt collection practices, inaccuracies in credit reporting, such as incorrect addresses, can also implicate Regulation F provisions regarding the accuracy and completeness of information provided to consumers.

These laws and regulations aim to ensure the accuracy, fairness, and privacy of consumer credit information, including accurate reporting of addresses by credit reporting agencies. Violations of these laws can result in legal consequences and penalties for the agencies involved.