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

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$1600.00}
Product: Student loan

On XX/XX/year>, I sent an email to the Navient Advocate requesting that the Misconduct School Discharge Application to be emailed to me. 
Good Morning, To : Office of Consumer Advocate I am requesting a School Misconduct Discharge Application form to be emailed to me. 

Thanks in advance for your assistance, On XX/XX/year>, I received a response from XXXX XXXX XXXX  via XXXX The subject of the email was : Here 's your School Misconduct Discharge application On XX/XX/XXXX, I emailed and submitted my application to Navient. 

Today XX/XX/year>, at XXXX pm XXXX XXXX, I received 3 emails for my three student loans, with the subject " Your School Misconduct Discharge application is denied ''.

No explanation was given, even though I attended one of the Universities that was on the Borrowers Defense List of the Department of Education, due to misconduct and predatory practices. 

Navient requested that I provide evidence of misconduct from universities that no longer provide access ( school emails and portals ) to former students. In my case I attended the institution close to 20 years ago. The University closed it's physical campus and it's current online version does not provide any information to former XXXX XXXX  campus based students, only where to get transcripts. 

I provided emails and other pertinent information in regards to recruitment, management of loans and information that I was told by the university in regards to job placement. 

I am complaining because I do not know why I was denied, even though I provided evidence and the University is linked to the XXXX XXXX list outlined by the Government. 
I am current with my loan payments, but I am paying approximately half of my take-home pay in student loans, which is causing mental stress and health issues. I wanted to know why students who defaulted on their loans received a XXXX XXXX from Navient previously from the same University, compared to myself who is current. Can this be considered discriminatory?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : US BANK XXXX Late Date XX/XX/20
Product: Checking or savings account

XXXX  XXXX I have an a consumer report with open lines of banks that were opened in my name and other information in other states etc.. Because of that, I am unable to open banks. However, I will provide all the information needed when I speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020 saying that the tradeline is reporting accurately. How can I be 90 days late XXXX XXXX, XXXX XXXX, XXXX XXXX? How can that be? I can not be 90 days late three months in a row. How can I be 120 days late in XXXX. XXXX and then late 60 days late XXXX. XXXX? This can not be accurate. I do not believe that they did a proper investigation in this matter.
Product: Credit reporting or other personal consumer reports

" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"
Product: Debt collection

I was contacted through email by Transworld Systems Inc about an alleged owed debt amounting to {$110.00} with a specific account number on XX/XX/2023. I responded to the alleged debt by disputing the obligation of payment by me and requested a debt verification letter. To which there was no response in within XXXX days. 
I have recently received correspondence dated XX/XX/2023 and received it XX/XX/2023. There was an attempt to verify the {$110.00} account along side a added {$210.00} debt both associated with a different account from the first interaction. I contend that Transworld Systems XXXX has violated 15 USC 1692 H, J, F ( XXXX )
Product: Debt collection

I JUST CHECK MY CREDIT REPORT AND SEEN THIS FRAUD COLLECTION ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$1000.00} DELETE THIS FRAUD COLLECTION AS AGREED BY THE CREDITOR. 

THIS INACCURATE FRAUD COLLECTION SHALL. 

DELETE FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; 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  Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Medical XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I looked at my credit report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate the account : XXXX XXXX XXXX XX/XX/XXXX they sent me their investigation letter and said these accounts are complete and accurate.

I looked at my credit report and noticed everything is still the same.

However, according to 15 USC 168i 5, They are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer According to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

Additionally, according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer relating agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Experian really did not do the reinvestigation, they lied on the official document saying they did something they did not do and I have evidence to prove my case.
Product: Debt collection

I am deeply frustrated with Berlin Wheeler, the collections agency, for their unwarranted actions. Despite my efforts to provide them with the bankruptcy case number that proves the debt from XXXX XXXX was discharged in 2020, they not only rudely rejected this evidence but also threatened to report the account to my credit report. This situation is both distressing and unjust, as their actions show a lack of respect for proper procedures and a disregard for accurate information.
Product: Checking or savings account

On XX/XX/2021 morning, after noticing two ( 2 ) unauthorized XXXX transfers from my business checking account for an entity that I have no knowledge of, I called Bank of America to file for fraud claim while the transactions were still pending. I was told by the fraud specialist ( after almost 2 hours of wait time ) that I needed to file a claim so that an XXXXnvestigator will handle the case. I joined Bank of America because it claims that business checking account have zero fraud liability. I filed the claim on the same day for two unauthorized XXXX transaction total to {$13000.00}. I waited for 30 days to call back to file out the status today XX/XX/2021 and I was told by a Bank of America specialist that my claimed was denied. Bank of American chose to not honor their policy of protecting its client. As I stated to the fraud team, I have never done business with the entity that received the transfer. I have no knowledge of the entity that received the transfer. To date, I still have not received any documents from Bank of America. It seems that Bank of America refuses to honor their responsibility in this matter. I business have sufferer greatly because Bank of America 's failure to protect my account and refusing to rectify the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS PROVEN TO ME THAT IN DISPUTED WITH BUSINESS YOUR GOUNG TO LOSE. EXPERIAN DOES NOT WANT TO LOSE A OAYING BUSINESS. It does not matter what the consumer says or provides as proof of their statements and claims in the dispute. All Experian says is the business is correct without even providing a copy of the business response like the CFPB DOES AND THE NCUA DOES AND THE FDIC DOES ALSO THE FTC. It should be fair for the consumer to se the comparison from the business comments and evidence in comparison to the consumers allegations. 

There is a reason for the dispute however Experian neglects the consumer because they do not want to upset the paying business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was past due on my College Foundation Inc student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XX/XX/XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XX/XX/XXXX, and XX/XX/XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called College Foundation to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY 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
Product: Debt collection

This company has been attempting to collect a debt that has been identified as identity theft. The debt is not mine and has an address attached that I have never been associated with. I have written and called them numerous times to request documentation showing me originating the debt and they just mail me credit card statements that are not mine. The original debt is from XXXX XXXX who has agreed the debt is the result of identity theft yet this collection agency continues to pursue me. The real crux of my complaint is that over the last few months they have done a hard inquiry on my credit file every single week ( over 23 times in 3 months according to XXXX ). These unwarranted and unauthorized inquires have resulted in me experiencing a significant drop in credit scores which has left me unable to obtain financing and paying higher interest on existing debts. I feel as though there is no ligament reason for the obscene number of credit inquires recently conducted by this firm and the only explanation is that they are maliciously attempting to attempt an illegitimate debt through coercion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  I sent a dispute letter to Transunion stating that I never made late payments on my   XXXX   XXXX   account #  XXXX . After 30 days I never received a reply from Transunion. I sent them a second letter certified mail on  XXXX / XXXX / 2017  explaining that under th e Fair Credit Act they ar e required to delete the late payments being disputed. I have not heard back from them at all and they did receive the letters.
Product: Mortgage

Having escrow problems with Ocwen Mortgage Co.. I have a Hamp loan that started in XX/XX/XXXX, that loan was prepared by a XXXX XXXX XXXX That loan was sold to Ocwen in XX/XX/XXXX 
Have had trouble with the escrow of my wind/hail since the first year!! When I talked with company they said it was n't built into the loan that was tranferred to them?? Then I was told that the amount was escrowed in a different dept, that was in XX/XX/XXXX Last year, XX/XX/XXXX, I had to pay the wind & hail on my credit cards to ins co.. Wind & Hail is required in the area we live in it is a coastal community!! It is paid to the XXXX XXXX XXXX You ca n't paid that in payments it has to be full balance, that is why it has been escrowed in my loans!! They are escrowing now, at my request, but never imagined that they would escrow me out of a loan, my monthly payment went up XXXX + dollars, two months ago.. This makes the loan out of reach for me, this is why I have the Hamp loan to begin with!! As of now my Hamp loan is at the five year mark and readjusts XX/XX/XXXX.. It goes up 1 % .. Ocwen has sent a letter giving the amounts for XX/XX/XXXX, it goes up another XXXX+ dollars, making the loan which is now out of reach even worse!! I am XXXX & XXXX living on a XXXX.. I am requesting attention to this loan & escrow payment myself to Ocwen.. Really do n't wont to have to start over with another Hamp loan !! But at this rate it seems I might not have a choice!!
Product: Debt collection

A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.
Product: Mortgage

I have been having problems convincing SLS Loan servicing Co. that i am no longer responsible for my loan since 2016, when a shady 2nd mortgage company purchased my 2nd from a bankrupt loan company and lay stealth without me being able to Negotiate or Communicate with them,, They inflated the loan amount and fees from XXXX to XXXX pay off,, then they wanted me to pay a unreasonable amount to reaffirm my loan to get it currant status ... in which they foreclosed on me,, a trust deed sale to posses the home, The kicked me out, XXXX Then on top of that they never paid the first which was SLS,, And the 2nd mortgageCo. XXXX XXXX.. Then pay my payments late every other month 18 times since 2016, They never Contact SLS,, I sent numerous Times To SLS all the Court /auction paperwork, And SLS   KEEPS ON PUTTING Derogatory s on my credit Reports,, For Years, Help me ... Please.. Thank You XXXX XXXX