23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are trying to refinance our home to a shorter term. We have fallen behind because of XXXX. Freedom mortgage will not take me out of forbearance so that I can refinance. Ive been trying to get this settled for 3 weeks. They are making it extremely difficult.
Product: Credit reporting or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY XXXX has also refused remove an inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) not associated with me and because of the inaccurate information listed on my credit report it has left me vulnerable and has caused fraud inquires and accounts to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey XXXX  ; XXXX ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Debt collection

I have no idea who I. C. SYSTEMS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I. C. SYSTEMS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I C SYSTEMS did not provide the information requested when I contacted them via certified mail XXXX  XXXX XXXX XXXX XXXX XXXX. I C Systems has not provided any information regarding their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I. C. SYSTEMS as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I. C. SYSTEMS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to I. C. SYSTEMS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Mortgage

I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.
Product: Debt collection

i have disputed this account and they haven't been able to verify the debt is mine and they are reporting this inaccurate and unverified debt on my credit report
Product: Student loan

Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infromation : Any adverse items of infromation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Entire XXXX XXXX XXXX student loans have been PAID IN FULL AND TOTALLY DISCHARGED. THERE IS XXXX DEBT OWED. YET THEY ARE NOT DELETE N THE TRADE LINE. PLEASE DELETE ALL XXXX LOANS FROM THE ENTIRE CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries XXXX and TransUnion did investigation and did not make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account associated with XXXX XXXX XXXX located in Minnesota has been reported to my XXXX, XXXX and XXXX credit profile. I have requested the debt to be validated under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed every time to validate the account. I have also faxed and mail other requests only to not receive a professional and proper response. Unfortunately, XXXX XXXX has NOT validated the debt from 2014 nor have they responded to any other requests regarding the account in question. I mailed my very last correspondence to notify that I would be reporting to the CFPB. I look forward to hearing from your agency.
Product: Debt collection

I did not owe anything from these Debt Collectors ; 1. NCB MANAGEMENT SERVICES INC . 
XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my Chex systems credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have these accounts placed on my report by this agency. Please remove these accounts immediately, as my rights are being violated. Legal action shall be taken against this company, should these accounts, inquires and addresses below not removed from their report. 


Please update me, when these items are removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 

Other names : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Im enclosing my Drivers license, social security card, Chexs systems report, and a current utility bill to verify my identity and address.
Product: Money transfer, virtual currency, or money service

Synchrony Bank charged my credit card account ( issued through PayPal as PayPal Credit ) for a " provisional credit '' that they NEVER issued. I tried to file a dispute with them but that was not resolved even though I provided all needed documentation to prove that Synchrony Bank did not issue me a provisional credit. So they charged my account without authorization. So now I am obligated to pay off the balance that I did not even occur to begin with.
Product: Credit reporting or other personal consumer reports

XXXX HAS FAILED TO RESPOND TO MY DISPUTE SENT VIA CERTIFIED MAIL ON XX/XX/year>. RECEIVED ON XX/XX/scrub>XXXX XXXX 

12 CFR PART 1022.43 STATES THAT FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE MUST CONDUCT A THOROUGH AND TIMELY INVESTIGATION. 30 DAYS.

15 USC 1681S-2B ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. 

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

15 USC 1681i STATES : a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 

IT HAS EXCEEDED THE 30 DAY TIME LIMIT PLACED ON FURNISHERS OF INFORMATION. 

I CALLED XXXX ON SEVERAL OCCASIONS TO ADDRESS THE MATTER AT HAND : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EACH TIME I WAS ASSURED THAT THE DISPUTE WOULD BE HANDLED ACCORDINGLY AND IT WAS STILL PENDING. 

XXXX HAS FAILED TO SEND ME CERTAIN DISCLOSURES REQUIRED BY LAW. 
XXXX HAS VIOLATED MY PRIVACY. 
12 CFR PART 1016 STATES THE DISCLOSURES THAT MUST BE GIVEN INCLUDING OPTING OUT. 
I NEVER GAVE XXXX WRITTEN PERMISSION TO SHARE MY NON PUBLIC INFORMATION WITH ANY THIRD PARTIES.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XXXX Withdrawal from account : {$3800.00} Description : The Year XXXX Violated the Fair Debt Collection Practices Act ( FDCPA ) SDCC received a Bank Levy from the XXXX XXXX California XXXX XXXX XXXX  ) to withdrawal money from my checking account. XXXX did not honor the XXXX XXXX XXXX California Supreme Court about Bank Levy Limitations, which is : Enough money must be left in the bank account to meet the persons basic needs, also automatic withdrawals and/or payments that were scheduled to be withdrawal, must be met XXXX  before monies are withdrawal. XXXX withdrew {$3800.00} from my checking account which caused my account to go into the negative of {$460.00} and left me with severe, severe, severe, severe financial hardship, extreme stress. I could not meet my basic needs, I could not buy food, I could not buy gas, pay Rent, etc. etc. I had no means of financial money, I Literally had noooooooo money!!! This has caused an enormous amount of stress. The bills that were suppose to get paid did not get paid, they reported negative marks to my credit bureaus, and also reported me to check systems which prevents me to open another and any checking account. I made XXXX payments towards the {$460.00}, I should not have to do that. My XXXX  checking account was in good standing before this occurrence happened. 

XXXX would not provide my bank statement to me to show proof to you of the {$3800.00} withdrawal and my bills did not get paid. I called XXXX on XX/XX/XXXX and they said that I had to pay a {$5.00} fee and the balance owed to receive my bank statement. This is unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! XXXX ( original Creditor : 09 XXXX  XXXX XXXX XXXX ) 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past two years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX  ( Account # XXXX ... ), and XXXX XXXXXXXX ( Account # XXXX ... ), were previously corrected by XXXX over two years ago, but Experian has failed to update my file accordingly. Experian 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports