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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of a data breach that happened within XXXXXXXX XXXX  ( hospital ).
Product: Credit reporting or other personal consumer reports

Credit bureau name TransUnion Credit bureau To Whom It May Concern : I sent a request for investigation under FCRA 611 ( a ) to Transunion on XX/XX/XXXX letter was sent ) in reference to the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified the information and would like to receive physical documentation to support this erroneous information FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Transunion has been reporting unverifiable an inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 
Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. 
Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 
I am asking for this verification because my credit score is important to me, and I believe it unjustly degraded as a result of this unfortunate error. I would therefore request that yo send me a template letter in response to this request. I am in the process of planning a need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers won their case against the bureaus wue to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors ' word. I have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the question permanently expunged from my record. 


Regards. 

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

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by CRA XXXX use of an Experian credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my consumer report, my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXthere should be no other address listed on my report. Remove any phone numbers they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Date of Birth, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Debt collection

Hi, last month I sent the company IQ Data International I debt validation letter. The only thing they've honored was that I asked them to no longer call me. other than that the company has yet to verify my debt and refuses to keep it off my credit report.
Product: Debt collection

It appears I owed {$33.00} to XXXX XXXX, a durable medical equipment company. XXXX did not send me ANY billing statements but sent the {$33.00} to collections. I attempted to order replacement items for my health and was told I could not due to the balance. I paid it immediately- as I always do - but still have not been able to order my medical equipment. I later received a letter from ARstrat, a debt collection agency. 

The law requires a patient receive numerous billing notices before sending an account to bad debt collections. XXXX XXXX violated these laws and other statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.
Product: Mortgage

On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.
Product: Debt collection

In XXXX of XXXX someone from XXXX XXXX visited our home in XXXX selling different types of lawn treatments. My husband XXXX and I decided to go with the mosquito and lawn care since we were very happy with the pricing. We agreed to XXXX dollars per month for 5 months of mosquito treatments totaling to XXXX ( XXXX XXXX ) and paid as a pre-payment by credit card which we gave the salesman and was written on our contract. We agreed to 8 lawn care treatments that would be disbursed over various times/months. Which was XXXX per treatments totaling to XXXX also to be paid as a pre-payment. In total we agreed to XXXX of treatments to be deducted from our credit card. Well, that did not happen. 

In XXXX I spoke a CSR who tried to help me with my account because I noticed what we were being billed was not what had agreed to. He then proceeded to explain what I was being billed and that it was XXXX for lawn and XXXX for mosquito. I was incredibly upset. He said I would need to speak to a manager to get it resolved. I ended up speaking to someone named XXXX XXXX on XX/XX/XXXX who was very friendly at the time and advised me through email he had adjusted my pricing to the XXXX mosquito and XXXX lawn. He did not adjust anything to my account. I then emailed him on 2 other occasions and didnt hear anything. 

I continued to pay on my account until I reached the XXXX that I agreed to. However, I did end up over paying by XXXX. According to XXXX XXXX  I still own them XXXX, but I do not. I continued to get harassing calls from their collections dept. I requested to speak with a manager who can help me, they advised me that a manager was not available and will contact me in XXXX hours. No one has ever contacted me. I would call in and wait on hold and be sent to XXXX, unless I requested a new service prompt. Which I did and they still would not connect me to a manager. I have an excellent credit score, never late paying my bills. I only what is fair and that is to have this debt removed from my account. I trust that this service will see the truth. Thank you.
Product: Debt collection

I have a pdf file containing all correspondence. The pages below refer to that document. 
1- XX/XX/XXXX. Received a document from Convergent ( pages XXXX and XXXX ) saying I owed XXXX XXXX  {$100.00} 2XXXX XX/XX/XXXX. Replied to Convergent, emphasizing that I have not done any business with XXXX Bank, and asked about details ( page XXXX ). I also inquired by phone to the XXXX Bank about the account given. There was no such account in the bank. 
3- Convergent replied on XX/XX/XXXX ( page XXXX ). They sent some documents ( pages XXXX, XXXX, XXXX and XXXX ). The address of the account was given as XXXX, XXXX We never lived in XXXX XXXX XXXX XXXX showed the address as a wooded area, no building ( pages XXXX and XXXX ). 
4- XX/XX/XXXX I sent a letter to Convergent ( page XXXX ), emphasizing the wrong address, and gave some examples of XXXX XXXX that I found in XXXX . I specifically asked how they contacted me, from all the names and locations, this question was not answered. 
5- Convergent replied on XX/XX/XXXX ( page XXXX ), suggested that I go the XXXX XXXX  Web site, and complete an affidavit. I went to the suggested Web site to find an affidavit, but could not find it ( page XXXX ). 
6- I sent a letter to XXXX XXXX on XX/XX/XXXX ( page XXXX ). I emphasized that I never lived in Georgia, I did not have any business with the XXXX Bank, and asked for a remedy. 
7- XXXX XXXX  replied on XX/XX/XXXX ( page XXXX ) and they suggested an affidavit for ID theft. This is not ID theft, since the address is not correct, and therefore this is not me. They suggested obtaining the affidavit form from their Web site ( see XXXX above ). 
8- I assumed that the matter was closed. Then on XX/XX/XXXX I received another document from Convergent ( XXXX XXXX and XXXX ), very similar to the first XXXX. They said that I should dispute it by XX/XX/XXXX. 
9- I replied to Convergent with a letter on XX/XX/XXXX ( XXXX ), and with a filled slip ( pages XXXX and XXXX ), saying I will not pay. 
10- As if I did not send the letter and the slip, saying I will not pay, Convergent sent me another document on XX/XX/XXXX ( pages XXXX and XXXX ), saying " pay half ''.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion and Blocking Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX, I am writing to formally notify you that I am a victim of the recent data breach involving your company. As a result, I am requesting the immediate blocking and deletion of all accounts referenced in my credit report, in accordance with the provisions of 15 USC 1681c-2 ( a ). 

As per the law, this provision allows for the removal and blocking of any fraudulent accounts or information that is related to a breach of personal data. I ask that you take the necessary steps to ensure that all accounts connected to this breach are blocked, deleted, and reflected as such in my credit report. Please confirm the deletion and blocking of these accounts and provide me with a written acknowledgment once these actions have been completed. If you require any further information or documentation from me, I will be happy to assist promptly. Thank you for your attention to this matter, and I look forward to your swift response and resolution.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

We closed on a XXXX refinance mortgage around XX/XX/2021 with our first XXXX payments successfully processed by bank draft originating from our XXXX checking account. I've attached the proof of payment from XXXX - XXXX of 2021. The XXXX payment was rejected by XXXX with no explanation as to why it was sent back to our bank. The payment left our account on XX/XX/XXXX and returned on XX/XX/2021. 

When I realized that the XXXX payment had not posted with XXXX, I called the servicing department at XXXX and spoke with an agent. She did not know why this had occurred either, and she said that she would forward the question to their " research '' department for further investigation. I never heard back from " research ''. I was away the month of XXXX and assumed my bank would have re-submitted the draft, which it did not. The auto payment draft for XXXX 's payment had occurred as expected from our XXXX account but was rejected by XXXX, again without explanation. 
Again I called XXXX and all the servicing agent could tell me was to contact my bank. I did have a meeting with XXXX bank and they determined that the funds being rejected was coming from XXXX, nothing to do with the bank drafts sent automatically from our bank account. 

Meanwhile, an inaudible voice message was left on my husbands phone messaging system. He thought the message was a marketing call from XXXX XXXX. He says he could not make out or understand the broken XXXX message that was on his voice mail. 

I received no phone call or email or snail mail from XXXX during this whole time. Nothing was mailed to us except our normal monthly statements. There was no attempt for XXXX  to contact me, even though I was the XXXX attempting to get information from XXXX. I've attached an email dated XX/XX/2021 again attempting to learn what was wrong and why XXXX payments had been rejected. I never got a reply. 

I will also attach the emails between myself and XXXX 's servicing people. 
After contacting the servicing department for the XXXX time, we were told that letters were mailed to us to notify us of the change in payment instructions. We did not receive any letters from XXXX with this information. 

All our attempts to rectify the 30 day late payment has not resulted in a reversal of XXXX decision to report to the credit agencies. We have had SEVERAL mortgages and we have NEVER been 30 days past do on any loan. We have ALWAYS received a letter from a mortgage company when the loan is sold, transferred, or when there is an update to the account number. XXXX says they sent emails to my husband, which he DID NOT GET. He as checked everywhere in his emails and he has not gotten any such account number change emails. Nor did I. We did not receive notification by US mail either. I had no idea of the loan transfer. Prior to this 30 day late report, our credit score XXXX, this 30 day late report has lowered it to where getting another mortgage is out of reach.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Equifax has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Equifax has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Student loan

looking for help with XXXX private loans I have. They are held at AES. One with XXXX XXXX and one with XXXX. Both have a higher Principal then Original balance and are from XXXX and XXXX. They are also from XXXX XXXX XXXX. I've called AES and been told I have no options but to pay unless I am on full XXXX. I have already gotten my federal loans all forgiven from a PSLF before the XXXX stuff even happened. I am kinda at my wits end and looking for options. Is there anything you can assist with? I really don't want to file bankruptcy as I did this years ago after my XXXX and have basically cleared up my credit report but these loans are so bad I can't even get them refinanced. To date I have paid {$31000.00} and over {$21000.00} was interest alone. I am literally drowning from this debt and there is apparently no help for me. Sitting here crying I am just so frustrated that I have to chose between this or providing things for my kids. I have paid over the original balance in interest alone and still owe just as much.. they are XXXX HELP
Product: Checking or savings account

So my cash app account was hacked and I was able to get back into the account but cash app closed my account and whoever stole my money cash app won't do anything about it or reimburse me my cash app account is XXXX XXXXXXXX my email is XXXX and total they owe me is about {$3500.00}