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

Im frustrated to learn that This credit bureau Does not repect or follow the Laws of FCRA. I feel that I have been Grossly discriminated against and also, 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. 
XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX BANKRUPTCY : # XXXXXXXX XXXX XXXXXXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were either updated or verified for 100 percent accuracy. However I asked them how? when the opening date on each account is wrong. I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did.

Additionally, according to 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. Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected because 15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights.

Lastly.according to 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected. 

I DEMAND THAT AL OF THESE ACCOUNTS BE DELETED IMMEDIATELY!!
Product: Credit card or prepaid card

Citi said I had to go to the credit Goverment and fix the issues?
Product: Credit reporting or other personal consumer reports

This is regarding Experian Report Number XXXX ( CFPB ID XXXX and XXXX ). I've been trying to find out why Experian keeps lowering my FICO score. The results of their investigation aren't available online, and when I called the number listed online, they didn't give me a satisfactory answer. 

I always make payments on time, I've had the same two credit cards for years, banked at Bank XXXX XXXX for thirty-six years, and had no hard inquiries. In spite of the aforementioned, Experian has lowered my FICO score from XXXX to XXXX in the last two months. 

I think Experian is lowering my score in retaliation for filing complaints against their company.
Product: Student loan

XX/XX/XXXX : I submitted my employment certification form for qualification under the Public Service Loan Forgiveness program. At about that time, my federal loans were transferred to XXXX XXXX as they are the servicing company for all lenders in the PSLF program. 

XX/XX/XXXX : I learned that only eight payments and eleven payments were identified as qualified payments for the PSLF program for the two loans serviced by XXXX. Each loan, in reality, should have close to 100 qualifying payments toward the 120 minimum. 

XX/XX/XXXX : I called XXXX to discuss this issue. They told me that they would review the details of my repayment and to call back to learn more, about a month later. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a large batch of lenders were transferred to XXXX and their system inaccurately counted the number of qualifying payments when they were transferred. To rectify this, individual assessments of hundreds, or likely, thousands of lenders was required to arrive at the correct number of qualifying payments. This representative concurred with me, that many of my payments were both made on time and under the correct repayment plans. Because of the individual assessments, it would be some time to get this rectified and that I should check in on a regular basis ; which I've done and continue to do. It was estimated that it would take another six to eight weeks. I was told that my case would be " elevated '' to a supervisor for more immediate resolution. 

XXXX - XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a backlog of these issues would push off the conclusion of my case for another eight to twelve weeks. I was told again that my case would be " elevated '' to a supervisor for more immediate resolution. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of these payments. I was told that the backlog continued and that it would likely be a total of six to eight months for my case to be resolved. I was told again that my case would be " elevated. '' It was at this point that I realized that I was being given the run around. I was connected with a supervisor who admitted that they don't know how long it will be until these issues are resolved and further that previous " elevations '' to a supervisor never took place and that no supervisor was working on my case. 

Ultimately, this has been a very frustrating process whereby XXXX continues to lead me on in the belief that there is some point in time that this will be solved. What's worse is they have mislead me to believe that some action was taking place on their part, when in fact, their own notes of my case do not show any " elevation '' of my case to a supervisor. Further, I don't even know if the payment program I'm in now is counting towards the PSLF qualifying payments since the number of qualifying payments is still at eight and eleven, despite eight months passing since I had my loans transferred.
Product: Credit reporting or other personal consumer reports

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX  This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2022 Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  MD XXXX 7. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX Transunion and XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX US DEPT . OF EDUCATIO XXXX
Product: Debt collection

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Product: Payday loan, title loan, or personal loan

Loan was with XXXX - established loan XX/XX/ in the amount of {$40000.00} with total program fees of {$2200.00} Total Interest {$1000.00} - Total Special Tax Assessment in the amount of $ XXXX.- When the loan was offered to me, I was told that the loan was on the house and that I would not be responsible for the loan when and if I sold the house. I recently started to consider to sell the house and move to another location. Our Realtor told me that there is a Tax Lien on the house and that I would have to pay off the loan if I wanted to sell the house. The only reason that I considered taking the loan is because I knew that I would be selling the house within the first 5 years of living in it. We are going into the 5th year of living here in the house. I am extremely upset with myself because I was mislead about the loan conditions. I will be XXXX years old next month and find myself in a predicament of not being able to sell my house. I have been doing some research since I found out about the conditions and was told that this is considered to be a PACE loan, which was never explained to me as to what that meant. I need some help on taking care of what I feel was a fraudulent representation from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXXXXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name XXXX XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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
Product: Credit reporting or other personal consumer reports

For months, the account ABSOLUTE RESOLUTIONS I ( XXXX ) has been reported on my credit history as a collection, which confused me since to this day I have not received any certified notification from the creditor, who apparently was the original creditor or the collection agency in question. Therefore, the account was transferred without my prior knowledge or consent, which means my personal and credit information was shared or sold without following the minimum procedures established by law. I filed a dispute with the credit bureaus asking how this information was being validated ; however, it did not proceed as I expected. I then made a direct inquiry to the collection agency requesting validation of this account, but my attempt was unsuccessful. Consequently, I felt the need to file this complaint to clarify the matter, as according to my investigation, the company is incurring violations of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), and 1681n.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX collection first appeared on my credit report in XX/XX/XXXX by Credence Debt Collection Agency. I immediately contacted the phone number listed on the report. I was informed that the account was opened in my name in XXXX, XXXX in XX/XX/XXXX. I lived in XXXX, XXXX at the time and was in the process of relocating to XXXX  due to XXXX XXXX. I advised the customer service representative that I did not open or authorize the opening of said account. I asked the representative what documentation was used to determine I was the individual requesting the account. She said accounts opened online at that time requested no proof of identity. She explained that I could pay the balance in full with her but there was nothing else she could do. I hung up and drove to an XXXX XXXX XXXX XXXX location in XXXX California. The representative at the store had no record of an account in my name using my XXXX  drivers license. He advised me to contact the fraud department. I called the XXXX XXXX XXXX fraud number but it only included an automated message which provided no real help or resolution to my problem. I disputed the collection and it was removed from my credit report in XX/XX/XXXX. Credence again added the collection to my credit report in XX/XX/XXXX. I reached out again and was emailed a fraud packet on XX/XX/XXXX requesting proof of residency between XXXX and XX/XX/XXXX. I returned the complete fraud packet on XX/XX/XXXX, including all requested information and supporting documentation such as my California leasing agreement and utility bills. My fraud claim was denied by Credence citing there was not enough evidence to support my claim. I again filed a dispute and the collection was removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX added the collection to my credit report. I called the listed number and was informed that they simply report and collect debts. I was told to file another fraud claim and hope the issue gets resolved. I asked for all information associated with the account to include the account number, service address, phone number, and email address listed in the file. I called XXXX XXXX XXXX provided this information in an attempt to determine who could have opened this account. They were unable to help me because I could not provide the account pin, security answer, or answer the phone number listed on the account. I asked to speak with someone in the fraud department and was disconnect from the call. No one ever called me back. I then filed a formal Identity Theft Police Report in XXXX XXXX XXXX which was accepted under the Reference NumberXXXX. I am awaiting a follow up to this report, but have grown tired of simply disputing this collection annually. I am seeking to have this error remedied and pursue legal action against XXXX XXXX XXXX XXXXor aiding fraudulent activity in my name as well as the creditors for harassment, slander, intimidation, and violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX ACCT # 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 without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three  credit bureaus : XXXX, XXXX, and Equifax. 

Firstly, the Account Type Detail for XXXX and XXXX is listed as " Auto Loan, '' while Equifax does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and XXXX reporting the account as derogatory, while Equifax reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with XXXX reporting an {$8000.00} balance, while XXXX and Equifax report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' XXXX reporting it as " Collection/Chargeoff, '' and Equifax reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports. 

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly. 

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately. 

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX : Freedom Mortgage made an erroneous payment in the amount of {$3700.00} for " Hazard Insurance '' for a policy unrelated to my mortgage or account in any way. According to Freedom 's representative, this disbursement was made in error and resulted in a negative escrow balance, subsequently creating an incomprehensible statement. Subsequently, Freedom asserted that my account was deficient by {$7400.00}, while I was at all times making regular mortgage payments and a single payment of over {$7000.00}. 

XX/XX/XXXX : A RESPA QWR was sent to Freedom Mortgage by my attorney, seeking an audit of my account and disputing the arrearages asserted by Freedom. Freedom subsequently sent an initial response, stating that they would provide the requested material as soon as possible. By XX/XX/XXXX, Freedom had not provided any additional information or made any further contact. 

XX/XX/XXXX : A second RESPA QWR was sent to Freedom Mortgage by my attorney, citing Freedom 's failure to respond and restating my request for the information sought and my dispute of the asserted deficiencies. 

XX/XX/XXXX : Freedom has failed to provide any additional response or communication. Freedom has further lock me out of my online account and continues to send mortgage statements showing a {$7400.00} deficiency.