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

XXXX XXXX and XXXX XXXX  been playing the fraud game refusing to reveal details and corrupt XXXX XXXX XXXX  taken advantage of the American people just spoke up some truth after five years of inquiry and appears the current XXXX XXXX XXXX details attached to my property loan XXXX at XXXX trigger that XXXX XXXX and XXXX have a third party XXXX XXXXXXXX XXXX on my account and would require my authorization not his. I am willing to take this to the FBI. BECAUSE IT IS AT THE POINT THAT HALSTED FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX XXXX AND XXXX CAN NO LONGER LIE AND CONCEAL YOUR INVOLVEMENT AT XXXX XXXX XXXX WITH SCAMMER XXXX XXXX XXXX so please explain your involvement with the evidence attached and XXXX XXXX XXXX  must release my XXXX XXXX  possibly at XXXX XXXX location that halsted confirmed with me you have XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX XXXX  number : XXXX
Product: Mortgage

The name of the loan company is called Loan Care, and they are managed by XXXX XXXX XXXX XXXX XXXX. Their contact information is : XXXX XXXX de XXXX XXXX, XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Free : XXXX For over a year, attempted to update online accounts, mailing, address information and contact information. They are still receiving payments online, but their account is not accessible from where I am currently stationed, which is overseas on a XXXX XXXX in XXXX, XXXX. I even went through one of my parents back home to contact them on my behalf with a Power of Attorney, and still the problem was not resolved. I want access to view my loan statements, corrected mailing addresses and phone numbers. I plan to sell the property in 2 years, and understanding what I owe, including receiving documentation for tax purposes, is needed. I need to access my online account. Please assist in communicating to them. I only reached one number, and it was the refinancing number, which was XXXX. The person on the line did provide me my loan statement over the phone, but could not update my current phone or mailing information. He instead messaged the Loan Care customer service to send me an email. I'm still waiting on that email as of today, XXXX XX/XX/XXXX. Last correspondance was on XXXX XX/XX/XXXX to unlock my account, and another complaint sent on XX/XX/XXXX. 
Below was the original complaint to them : The tracking number assigned to your submission is XXXX. 
Please refer to this number when contacting us. 
For all updates, please email XXXX Please help, they are very problematic to work with. I'm ready to transfer this loan to another bank, it is that frustrating. How could they be so inaccessible??????? 

XXXX XXXX XXXX
Product: Student loan

I have been trying to work with Pennsylvania Higher Education Assistance Agency to review qualifying payments that they are not counting toward PSLF. They have said that they are under review for over a year, with no resolution. I have made every payment since the disbursement of the Direct Loan in XX/XX/XXXX. However, they are currently excluding 18 payments for which I have not received credit toward PSLF for the following month/years. XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX. I made payments dating back to XXXX while being employed with a qualifying employer, but was not informed that I was under the wrong type of loan until XX/XX/XXXX at which point they were consolidated into a direct loan. I have been employed with qualifying employers since XX/XX/XXXX. I am escalating this because I am approaching 120 payments that have been counted and if the 18 payments are included, I would qualify for forgiveness in XX/XX/XXXX. It is reprehensible the way individuals who have dedicated themselves to public service have been misled, misrepresented and generally treated by PHEAA. I am beyond pleased that they are terminating their contract. I only hope that another equally dishonest and incompetent servicer does not replace them. Thank you and I hope you are able to help me and the thousands of borrowers that have held up their side of the agreement, but have been taken advantage of by PHEEA.
Product: Credit reporting or other personal consumer reports

Company reporting late payments even when n payment arrangement and reporting charge of status while account is on payment plan
Product: Debt collection

The law sates that no medical bills under {$500.00} can be put on your credit reports please Delete this asap
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 'high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  XXXX numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.
Product: Debt collection

There is a XXXX XXXX reporting to all three credit bureaus. XXXX, XXXX and XXXX. I have sent letters to the credit bureaus and to the collection agency. I have requested the collection agency to provide validation of this debt, which is in clear violation of the HIPAA policy to disclose any item subject to my medical information. I have not gotten a response in regards to the removal of this account from either credit bureau or collection agency.
Product: Debt collection

On XX/XX/year> at XXXX XXXX  CST, both my mother and myself received a phone call from XXXX XXXX XXXX. This is the first time this debt collector has ever tried to reach out to me and they immediately also called my mother. I have not received a debt collection letter from them. I have no memory of this loan. I tried to figure out who the original lender was and they started to get very angry and demanded I give them information and payment. I since went onto their website to figure out the original lender, and still have no recollection of this loan but there was no information on how to dispute it and they also started to immediately call my family when they hadn't even attempted to contact me first.
Product: Mortgage

I have tried to do a Harp and was told repeatly forms was missing. I was going into forclosure and filed bankruptcy 2012? After the bankruptcy I did not know that my adjustable mortgage had ended and I was still paying interest only, about four months had passed an I was told I had to pay the full amount. Now I was behind in my payments. In 2012 I was on workers ' comp, and did my modification and my payments increased. After paying bills that comes with the house, like gas, electric and water and garbage and my cell phone bill it left me without any savings. I had to borrow money to live, I have written letters stating that NationStar Mortgage had my income verification wrong and my payments should not be more, for a modification that turn into a interest-free forebearing and a ballon payment and for years I have not paid anything on this forebearing. NationStar/Mr. Cooper just added the interest free forebearing to my mortgage the forebearing is mostly attroney fees, I could have made the full payment, but they would not accept any payments before the modification started. This is my second compliant.
Product: Debt collection

In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. 

It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. 

This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. 

I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided detailed letters and supporting documentation for these disputes. Despite my efforts, the issues remain unresolved : XXXX : I submitted disputes with the following dispute numbers : ( The ones I can find ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, I am unable to access the details of these disputes because XXXX has not provided a clear way for me to review them. Additionally, I have not received an adequate explanation or resolution, and the inaccuracies remain on my credit report. 

Equifax and XXXX : I received dispute results from both bureaus, but they failed to adequately explain how the information was verified. They did not address my concerns in detail, and the inaccuracies remain on my credit report. 

XXXX Identity Verification Issue : Whenever I apply for credit with creditors that use XXXX for verification, I am denied because they can not verify my identity. I made sure my credit profile was not frozen during these times, and I sent XXXX a letter with my personal information ( ID, Social Security card, proof of address ) to verify my identity. I also called their customer service, but I was told there was nothing wrong on their end. Despite this, creditors still can not verify my identity through XXXX, which has negatively impacted my ability to obtain credit. 

Because of these unresolved issues, I no longer trust the accuracy of the information on my credit reports from XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit ( my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
Product: Credit reporting

No one validate information with provided documents. I went to XXXX Federal Court and also written, they said it was computer error and provided me attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit Resource Management is illegally reporting an alleged debt to XXXX credit bureau. I have never had any affiliation with this company and I was not notified prior to the account showing up on my credit report. I called the company to request contracts or documents showing I am responsible or affiliated with this alleged account. I have requested the account be removed from my XXXX report and XXXX responded verified by allowing the account to be reported. Also, this negliance is a direct violation of the following laws under the Fair Debt Credit Act : 15 USC 1681 ( c ) ( a ) ( 4 ), 15 USC 1681 ( c ) ( a ) ( 5 ), 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), 15 USC 1681n ( a ) ( B ), 15 USC 1681o ( 1 )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 : 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had a joint account at Bank of America and they let the other party close the account without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with Navy Federal Credit Union . The XXXX XXXX Credit Card account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with Navy Federal Credit Union . I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from Navy Federal Credit Union regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue stress and financial difficulty.

My payment history with Navy Federal Credit Union has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Also I did not receive a Model B-1 or B-2 notice.

623 ( a ) ( 7 ) 15 U.S.C. 1681 621 15 U.S.C. 1681