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

Hello - I have been requesting MEHTOD OF VERIFICATION AND VALIDATION for account : XXXX XXXX XXXX from the credit agencies and they only continue to provide information stating the account was VERIFIED. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account is validated. 

Any automated response or XXXX verification is unacceptable. 


Please provide all names that provide this in, which entitled to me by LAW, so I have the correct information to place in this law suit. 

I have attached the responses from the credit agencies and the certified letters that were sent. Why do they do not have to comply with the LAW. It clearly stated what I'm requesting, they are only going by what the credit is stating and not proving. 

PLEASE INVESTIGATE THIS CREDIT AGENCIES ANDS SUE THEM AGAIN!
Product: Student loan

I have contacted MOHELA on multiple occasions regarding whether it communicated to XXXX XXXX XXXX XXXX XXXX  XXXX '' ) that my federal students loans it services were placed in a mandatory administrative processing forbearance for XXXX and XXXX of 2024 for the purpose of recalculating my payments on an XXXX plan. Every instance I contacted MOHELA, I was met with wait times of over XXXX minutes with no substantive addressing of my issue. Attached, I have included documentation that MOHELA placed me in a recalculation processing forbearance ahead of the months of XXXX and XX/XX/year>. 

As per XXXX guidance, if a student loan servicer needs additional time to recalculate payments on an XXXX plan your account is in a processing forbearance and up to 60 days of processing forbearance time is eligible for XXXX credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, federal regulation dictates that time spent in a mandatory administrative forbearance pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX qualifies for Public Service Loan Forgiveness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

MOHELA has to date not communicated to XXXX that I was placed in a processing forbearance for XX/XX/year> and XX/XX/year>. I am at XXXX qualifying months, so if either XX/XX/year> or XX/XX/year> become eligible - as they should already be- I would be eligible for loan discharge pursuant to PSLF. I have reason to believe that there are other similarly situated loan borrowers who MOHELA services as well. MOHELA is, at best, negligently hindering my progress towards PSLF discharge, and, at worst, intentionally and deliberately preventing me from becoming eligible for PSLF loan discharge.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries, which I do not recognize and did not authorize : I am concerned that these inquiries may be a result of identity theft or an error in reporting. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I request that you investigate and remove these unauthorized hard inquiries from my credit report immediately. 

To assist in your investigation, I have enclosed copies of my credit report highlighting the disputed inquiries, as well as any relevant documents that support my claim. Please notify me in writing of the results of your investigation as soon as possible. 

If these inquiries are not removed, I would like an explanation of the reasons for your decision and the name and contact information of the creditor or business that made the inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of Credit Report, Identification Documents, Supporting Documents ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> ACCOUNT NUMER : XXXX DEAR EXPERIAN, XXXX AND XXXX, THE ACCOUNT BALANCE AND PAYMENT HISTORY IS BEING REPORTED INCORRECTLY. PLEASE TO CONDUCT A REINVESTIGATION ( XXXX ). PURSUANT TO THE FCRA I HAVE THE RIGHT TO DISPUTE ANY INCORRECT INFORMATION ON MY CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

The transfer of money from my account to the wrong recipient. then B of A didnt know what to do to get my money back from the wrong recipient
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this debt with XXXX XXXX for years. The negative item is reporting on my credit report ( s ) impacting my credit. XXXX XXXX sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed onXX/XX/XXXX XXXX XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/2023. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I joined us bank because I am on the road with my work and needed to be able to deposit through the app or atm/ they would often freeze my ability to deposit causing my account to overdraw- then charging me fines and freezing my ability to deposit anything. 

I had multiple work checks I needed to make sure were deposited- they refused to give me access to look up and told me to put through the app. They granted two checks total lying XXXX then before the checks even hit the payee bank they backed out of my account them demanding the money when they already backed out. Now I dont have any access to accounts and they wont help me on the phone nor branches. I cant open another checking account and they have reported to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send letters to Experian on XX/XX/2017 to remove this bankruptcy that they claim its mine and also a XXXX account. Experian claims they have verified and say the accounts are mine. I send a letter certified to the XXXX XXXX XXXX XXXX XXXX that claim I have a bankruptcy with them. They responded with a letter stating that the United states Bankruptcy court for the XXXX XXXX XXXX XXXX does not report individual bankruptcy case filing data to credit reporting agencies, nor do the update information directly to the credit bureaus. I am attaching both letter for documentation on this. I also have contacted XXXX XXXX through a certified asking for verification on this account the claim I owe. They never responded. Its up to Experian to show me proof of the validation of the account. Its been 6 months and it is clearly a violation of Section 611 ( 5 ) ( A ) and show continue blatant disregard for Federal Law. I have asked them to give me the name of the person in there company who verified the accuracy of these accounts, but they ignored this request as well is another violation of Federal Law. I have asked them under Section 611 ( 5 ) ( A ) of the FCRA to promptly Delete all information which can not be verified. Experian claims that have a certified paperwork that the bankruptcy is mine. It is noted in the attachment I am sending you. I want to see the copy of it.
Product: Credit card

My XXXX account was hacked and charges were made and chsrged to this card vause it wss on file with XXXX. I have tried severall times to get these chsrges removed from my card to no aviale they keep giving me the dispuites departmrnt even though its fraud. I want these charges removed from my account.
Product: Credit reporting or other personal consumer reports

This account is involved in litigation. This has been going on for over 1 year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/year> 4. XXXX XX/XX/year>
Product: Checking or savings account

In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
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 XXXX 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 FOUR 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 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 INOUIRIES from my credit : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

Im writing this letter on behalf of XXXX XXXX XXXX, XXXX his Power Of Attorney my name is XXXX XXXX. In late XXXX or early XXXX XXXX XXXX XXXX who is my uncle signed into a reverse Morgage with XXXX and they are an XXXX company by XXXX XXXX XXXX XXXX. At the time of signing my uncle was XXXX XXXX XXXX. There is no way my uncle should have qualified for a reverse Morgage. When XXXX XXXX company had my uncle sign documents he did not have have a witness or someone to go over the loan documents with him. I understand the laws that are in place to protect the vulnerable elderly citizens. But in this case, nothing was put in place to protect my uncle. XXXX XXXX company had him sign documents and XXXX XXXX was not aware of what he was signing. My uncle XXXX XXXX XXXX XXXX ) did not know he was signing his house over to Celink/Novad. 

The new services for my uncles loan is Novad Management Consulting FHA XXXX # XXXX. I dont have a date for when the servicing transfer took place. My uncle received a statement with Novad on the letter. No notice of servicing transfer was sent. There is over 1000 complaints on this company.
Product: Credit reporting or other personal consumer reports

cfpb, Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. PURSUANT 15 USC 1692A, 15 USC 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.
Product: Credit reporting or other personal consumer reports

This company had an inquire on my report that I did not authorize or consent i am the victim of is theft and this company has been aware of this numerous times
Product: Debt collection

ABILITY RECOVERY SERVI is attempting to collect a debt that is not mine/a result of identity theft. Furthermore, ABILITY RECOVERY SERVI did not inform me of any such collection prior to reporting it on my credit report, which they are required to do so. By law, I should be able to request verification of the debt which I was not even given the opportunity to inform them that I have been a victim of identity theft.
Product: Debt collection

I received letters from the debt collector XXXX XXXX XXXX threaten to garnish wage this is absolutely not fair because we are willing to pay the student loan balance but the loan balance must be correct and must be agreed between lender and borrower. Since I do not agree with a loan term even I already cancelled but the loan service ignored my request because of this I stopped making payment to the loan service due to wrong information of loan ; it should not 'consolidation '. Loan service transferred loan to collection agency and they demand borrower to pay the collection fees this is not right. I have attached documents for your review.
Product: Credit reporting

I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!
Product: Checking or savings account

On XX/XX/2022, withdrawals, unauthorized by me, were made from my Huntington National Bank accounts. These withdrawals totaled {$13000.00}. I discovered these transactions in reviewing my on-line bank account the morning of XX/XX/2022. I went to my Huntington branch and reported the theft to XXXX XXXX about XXXX XXXX As he was busy, we set to meet at XXXX XXXX XXXX but he did send me an e-mail stating he'd placed " XXXX holds '' on my accounts and nothing would leave my accounts unless it was confirmed with me. I did meet with XXXX XXXX at XXXX XXXX, and completed a Statement of Fraud report. 

Later in the day on XX/XX/2022, additional unauthorized withdrawals were made from my accounts totaling {$11000.00}. I saw them on my on-line account on XX/XX/2022. I e-mailed XXXX XXXX about this additional theft before XXXXXXXX XXXX. We met later in the day, where I completed another Statement of Fraud report. He was unable to explain how these withdrawals were made over the " XXXX hold ''. 

The {$24000.00} has not yet been redeposited to my accounts, nor has the bank indicated it would do so.