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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. This is incredibly frustrating, and I demand that the documents I provided be thoroughly reviewed so I can finally put this matter behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nelnet to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by Nelnet that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped 146 pts.

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with XXXX regarding this informing them of the error, and I never got a response. I contacted Nelnet again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.
Product: Mortgage

We were on a Covid Forbearance plan with Flagstar due to job loss. I received monthly statements and checked their website frequently. 
I found a new job paying less and we made the decision to sell and purchase a smaller, less expensive property. 
I spoke with a Payoff Agent at Flagstar and asked if I could add the amounts I saw on my statements in order to get a rough payoff estimate. She stated I could. So I added the escrow and principal and used that as a rough idea when house hunting. 
Once we were under contract with sale of our current property and purchase of a new one we requested a payoff report. The report came in {$40000.00} higher than anticipated due to accrued interest that had not been disclosed on our monthly statements or on the website. 

I called to speak with a Payoff Agent at Flagstar and he informed me that interest still accrues while in forbearance and I should have known it was that amount. 
I was aware it accrued, however it is not listed anywhere for me to see or anticipate the amount. 

This lack of transparency has caused issues with purchasing a new home.
Product: Credit reporting or other personal consumer reports

Never rent an apartment with that address, Collection agency can not confirm that the debt is belong to me moreover collection agency has no evidence, only my name and date of birth which is can not be used for debt validation, cuz its public information.
Product: Debt collection

On XX/XX/2020 I placed an online order with XXXX XXXX XXXX for some XXXX accessories totaling {$810.00}. These parts seemed to be in stock. XXXX XXXX  charged my credit card immediately but failed to ship my order. On XX/XX/2020 I requested XXXX XXXX  cancel my order and refund my money. After not hearing back for several days, I filed a dispute with my Credit Card Company. On XX/XX/2020 after receiving notice of the dispute, I received an email from XXXX XXXX  confirming the order cancelation. On XX/XX/2020, I received a threatening COLLECTIONS email from XXXX XXXX. This time they accused me of Cyber Theft. Apparently, two days after I filed the dispute and they indicated they canceled the order, XXXX XXXX shipped a package to the wrong address and that package is now lost. On XX/XX/2020, XXXX XXXX XXXX, with knowledge and intent, used my credit card information obtained from the XX/XX/2020 order, to illegally and fraudulently charge my XXXX Visa Card a second time. Further, they set this charge up as recurring so as to cause as much financial damage as possible. Because of XXXX XXXX actions, I had no other choice but to completely close my credit card and reopen a new card disrupting all of my recurring payments with other companies. 

Even though I won the credit card dispute and never received my order, XXXX XXXX turned me into collections. Shortly after I began receiving calls from ICSystem claiming I have unpaid debt in the amount of {$810.00}. I've sent ICSystem proof that the order had been canceled and indicated that I did not receive the shipment, they tell me that there is nothing they can do because their client ( XXXX XXXX XXXX ) insists that I owe the debt and therefore they intend to report this debt to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2003 Listed below are the Accounts that are being challenged XXXX/XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I formally dispute an account listed on my credit report by MIDLAND CRED Account # XXXX. The account details are as follows : Account Name : MIDLAND CRED Account # XXXX I have never engaged in any business with MIDLAND CRED Account # XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " 1 month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with MIDLAND CRED Account # XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with MIDLAND CRED Account # XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Product: Debt collection

I am writing to dispute the validity of the debt referenced in your recent correspondence as well as the attempted garnishment of my wages. According to your letter, the debt pertains to an individual named XXXX XXXX. However, it is imperative to clarify that I am XXXX XXXX, and I have never incurred the alleged debt nor authorized any individual to use my personal information for such purposes. 

It has come to my attention that my identity has been unlawfully utilized by an unknown party without my consent, resulting in this erroneous attempt to garnish my wages. As a victim of identity theft, I am taking immediate action to rectify this matter and protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports. I found unverified accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification for the following accounts : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : DEPT OF ED - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to remove my fraud alert over the phone and even though I answered everything correct they did not remove it. They told me I needed to send in prof of my address and S.S #, so I faxed it to them. On XX/XX/XXXX I called to see if it has been removed and they said it was still there. I asked why it wasn't removed and they said they could read everything but my picture was not cleared. They asked me questions again ant i answered everything correctly, but they said they could not remove. I asked why if I answered everything correctly and they already have prof of my address and S.S # and she could not answer me. I asked them to talk to a supervisor and they would not. I had to them 6 times before she transferred the call but they hung up on me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Recently, a new account showed up on my Credit Report, Claiming to be a XXXX XXXX account I opened in XXXX. 
They claim an opening balance of {$22.00}, XXXX XXXX XXXX Balance of the same amount Claim Current amount owed of {$23.00}XXXX XXXX {$1000.00} more than the original amount. 
It is stated that I have no late or missed payments. 
There is no payment data for the past XXXX years up until about 4 months ago, at which point it states that my monthly payments of {$0.00} per month have been made on time. 

I have not been in school since XXXX, so there is no way I could have opened a student loan account. 

I have never heard of this company, XXXX. I have never entered into an arrangement of any kind with them. I have never been contacted by them. I have nothing in my email history with the word " trellis ''. 

I filed a dispute with TransUnion, letting them know that I do not know them and that I have not opened an account with them and that I haven ' ; t been in school ( thus unable to open a student loan ) since XXXX. I received a response a couple weeks later stating that no changes have been made to my credit as a result of the dispute, yet there was no information provided that supported their determination. 

So now I am fighting a losing battle with TransUnion about an account that just appeared out of thin air a few months ago, and I can't even get any reasoning from them. 
I tried disputing it again, but was told that I could not dispute it a second time. 

How do I prove that I Don't know the lender, did not open an account, etc? 

And how do I get Transunion to be transparent?
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX XXXX discharged XX/XX/XXXX ref # XXXX. Bankruptcy XXXX XXXX dismissed XX/XX/XXXX ref # XXXX, Bankruptcy XXXX XXXX dismissed XX/XX/XXXX ref # XXXX. I placed the company on notice in writing as well as online dispute the company continues to refuse to remove these items under U.S. Code 1681 ( c ) 2, U.S. Code 1681 ( a ) 4.
Product: Credit card or prepaid card

On or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.
Product: Debt collection

XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX threatening my spouse