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

Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity
Product: Credit reporting or other personal consumer reports

This complaint is to formally advise NATIONAL CREDIT ADJUSTERS that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second dispute and I have had no correspondence back from your company in over 45 days. Specifically you : -Trying to collect a debt past the statute of limitations- FDCPA violation XXXX Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.
Product: Credit card

After months of a derogatory account appearing on my credit report, I finally got to the right department of Chase bank that handles this matter. I was notified that this was a Chase XXXX account which I never had. I notified them that I was a victim of identity theft and that this account is unfamiliar to me. As they were unable to locate the account, I requested them to remove it immediately from my credit report. They then found the account ( miraculously ) and told me that there was XXXX charge from an " Aives of maine. '' I explained to the manager that I never had this account or a transaction with this company. They told me I needed to fax and mail them in order to initiate a dispute. I called about XXXX times in a matter of 2 1/2 hours because I was continuously hung up on. They also told me the alleged amount was for {$340.00}. On my credit report they are reporting an amount of {$430.00} charged off. This is not my account and I demanded they remove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX  XXXX XXXX verifying this information was incorrect & ordered by the court. 

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

I did not authorize these bankruptcies. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Student loan

I have asked Mohela multiple times not to place my account into forbearance because I am working towards PSLF & they have done exactly that 5 times now. I have been moved from servicer to servicer for my student loans, but this has been a complete disaster & is just getting worse by the day. MOHELA is terrible at servicing student loans. They are refusing to accept my payments unless I switch to a different plan which would QUADRUPLE my payment amount. I work for the government & these payments would be counting towards PSLF, but they are refusing to do anything. This is literally going to force me to have to postpone my retirement!!! I am now in another FORCED forbearance until XXXX, XXXX. That is now almost XXXX EXTRA YEAR I WILL BE FORCED TO WORK BEFORE RETIRING!!! 

If they dont want to do their job & take my payments, then my loans need to be moved. I did not ask to be placed with Mohela. I didnt ask for any of this. 

Borrowers routinely document egregious servicing failures, including hours-long wait times to get help, delayed and lost paperwork, and incorrect information across MOHELA 's website, email communications, and social media. They have a complex call deflection scheme, which diverted borrowers away from help, even when it knew that millions of borrowers had problems that could only be solved by a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account and Im getting no results from the creditors other than it meets FCRA requirements which isnt accurate. I have no ownership for this account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Rocket Mortgage Executive Office, I am writing to request immediate financial assistance due to the significant economic hardship I am currently facing as a result of a recent illness. 

For several years, I have been managing a XXXX XXXX  condition while depending on a fixed income. This situation has forced me to take multiple XXXX leaves and has resulted in considerable XXXX  expenses, which have nearly depleted my savings. 

While I do receive XXXX benefits, the persistent delays in their issuance have led to the accumulation of late fees on my financial obligations. This situation has persisted for over a year and has severely impacted my ability to make timely payments. Despite my repeated attempts to adjust my payment due date with both your organization and the XXXX office, my requests have been denied. 

I am dedicated to my financial responsibilities and intend to return to work as soon as my health allows. However, my current XXXX condition restricts my ability to work, placing me at serious risk of losing both my residence and access to essential services. Therefore, I expect a prompt response regarding my recovery timeline and my ability to resume work. 

My payment history illustrates my reliability as a customer, as I have consistently met my obligations in the past. With the recent increase in my spouses work hours, I am now in a position to ensure all future payments will be made punctually. 

I wish to avoid filing a formal complaint with the CFPB or DIFS ; however, I will take that route if necessary. I am requesting a full refund of the following late fees : - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$200.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$200.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} I expect your immediate attention to this matter and look forward to a timely response. I can be best reached by email, as I just had XXXX and can not converse on the phone. Below is my contact information : Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am responding to your correspondence dated XX/XX/year>, regarding her dispute over the reporting of bankruptcy record case number XXXX. 

Firstly, we assert that LexisNexiss determination of this dispute as frivolous under Section 611 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 3 ), is not justified. Under this section, a dispute can only be considered frivolous if there is no new information or documentation supporting the claim. I have provided consistent disputes regarding the inaccuracies in her credit file, yet it appears that no significant investigation into the underlying issue has been conducted. Per FCRA, LexisNexis is required to conduct a reasonable reinvestigation of the information being disputed. Simply marking disputes as frivolous without properly verifying the accuracy and completeness of the information would violate XXXX XXXX rights under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Additionally, Section 611 ( b ) of the FCRA mandates that the credit reporting agency provide a detailed description of the procedure used to verify the accuracy and completeness of the disputed information, which I have yet to receive. Please provide detailed information on the methodology used by LexisNexis to verify the bankruptcy record with XXXX and demonstrate how the record was matched to me, as XXXX often contains minimal identifying information, which could lead to potential misreporting.

Moreover, pursuant to 15 U.S.C. 1681c, a bankruptcy must be reported accurately, and no credit reporting agency has the right to report information that is obsolete, misleading, or incorrect. If the reporting of this bankruptcy was not based on complete and verified information, LexisNexis is obligated to remove it under the FCRA. If LexisNexis is unable to verify this information accurately, I have the right to have it removed from her file immediately, as the burden of proof lies with the reporting agency.

We expect that LexisNexis will take the necessary steps to properly investigate this dispute, provide all information related to the procedures followed, and ensure that the reporting of this bankruptcy is accurate, complete, and verified as required by law. If no resolution is reached, we will pursue additional legal remedies under the FCRA and other applicable consumer protection statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : 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 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 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 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 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 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 XXXXXX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX Experian and XXXX has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Debt or credit management

In XX/XX/XXXX, a company called GRT Financial ( and Secure One Financial ) called me and made an offer to help me manage and pay off all my credit card balances. I signed an agreement with them and I made my first monthly payment of {$650.00}. They let me know that I should stop making payments on all my cards because they would do that on my behalf. They also let me know that I should not respond to any messages from the credit card companies for payment as they would be handling all of that for me. Unfortunately, they did not make any payments on my behalf, neither did they negotiate any payments for me. I made the monthly payments of XXXX XXXXXXXX for XXXX months but most of this money was removed by Secure One Financial as charges. Only one of my accounts was negotiated by the company. In XX/XX/XXXX, I terminated my contract with them and asked for a refund of my payments. I had to call all my credit card companies by myself and negotiate a payment plan to pay off my debt. Unfortunately, I already have late payments reported on my accounts and this has negatively affected my credit score. I am trying to buy a house now and I need to bring my credit score back up. Please help!
Product: Credit reporting or other personal consumer reports

Equifax is knowingly using fraudulent information on my credit report and listing fraudulent addresses.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

am writing to dispute inaccurate information on my credit report. Payments have been made on the listed accounts, yet the balances falsely reflect higher amounts instead of decreasing as they should. This is fraudulent and shows that the accounts are being reported inaccurately. I have also sent a letter requesting validation of these accounts, and over XXXX  days have passed without any response. From XXXX. XXXX its now XX/XX/XXXX If the information regarding payments and balances can not be trusted, it undermines the credibility of the entire reporting process. Therefore, I request the immediate deletion of these accounts from my credit report, as XXXX has failed to ensure the accuracy and reliability of the information.
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, XXXX, Trans Union reporting agency , block/remove 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. The fraudulent, inaccurate, and false information accounts are as follows : XXXX  ( XXXX ) XX/XX/XXXX ; XXXX  ( XXXX ) XX/XX/XXXX ; 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 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 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 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 XXXXXX/XX/XXXX