23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification, If in fact you believe that i received proper notification, Please provide the certified mail with a receipt that has my signature on it stating that i received it. 

Also, this account has been closed as of XXXX XXXX according to my report it is currently still being updated on my credit report as of XXXX XXXX which isn't true. this isn't reported on the other XXXX bureaus which is XXXX and XXXX. which all three must comply with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Equifax is not hindering records when I sent a copy of 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 Equifax 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 XX/XX/2022
Product: Mortgage

I own a property located at XXXX XXXX XXXX XXXX, XXXX, XXXX. The loan is serviced by Select Portfolio Servicing , Inc. ( SPS ) XXXX of XXXX. I have had XXXX claims on this property in which the insurance company sent at least XXXX checks to SPS for the repairs and SPS has misappropriated the funds. Despite all repairs being complete ; and despite independent verification by SPS 's inspector and the Insurance claims adjuster that all repairs have been satisfactorily completed, SPS has failed to pay the contractor and reimburse the expenses that I paid out of pocket. SPS is engaging in a criminal act by misappropriating construction funds in violation of XXXX Law as well as engaging in insurance fraud. SPS should not be allowed to hold a mortgage lender license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request the credit report agency to investigate the false collection. They reported back to me stating that its accurate. I did thorough research, and this account is inaccurate. 
XXXX XXXX XXXX. XXXX, XXXX Account XXXX Original Amount Owed {$2000.00} In accordance with the fair credit report act XXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it
Product: Student loan

XXXX university made false promises about job placement after I graduated and 3 years later I still can not get hired in the field I graduated from
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Compliance with 15 U.S.C. 1681n Dear CFPB & Bureaus I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, as reflected by Equifax This account has been deleted by XXXX and XXXX due to the inability to verify it, yet Equifax is still reporting it as a charge-off account. I believe this continued reporting to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. 

Additionally, I note that both Equifax is reporting the account with a credit limit, which is incorrect as the account has been charged off. Furthermore, the account is being reported as charged off in consecutive months, which is misleading and does not accurately represent the account status. 

I kindly request that Equifax conduct an investigation into the accuracy of the reported information, as required by the FCRA. I expect this matter to be resolved promptly, and I request written confirmation once the investigation is completed. 

Please be aware that failure to comply with the provisions of the FCRA may result in legal action, including claims for damages under 15 U.S.C. 1681n. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

They reverse my overdraft fees than double charged me for the same overdraft fee again the next day
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --  TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute a fraudulent debt that has appeared on my credit report. I recently discovered that my identity was stolen and used to create or incur this debt, which I did not authorize or recognize. This fraudulent activity is negatively impacting my credit score, and I need this matter resolved immediately. 

What is particularly concerning is that I have a credit freeze in place, which should have prevented any unauthorized accounts or debts from being opened in my name. I do not understand how this breach occurred, and I request a thorough investigation into how this debt was incurred and reported under my identity. 

I am requesting the following actions : Immediate removal of the fraudulent debt from my credit report. 
A detailed explanation of how this debt was verified before being assigned to me. 
Any documentation you have regarding the alleged debt, including the original creditors information and any agreements signed ( if applicable ).
Product: Checking or savings account

My savings account was charged unrecognized monthly and weekly fees amounting to {$120.00}. The money was withdrawn from my savings account and was charged by XXXX in unknown fees. I was locked out of my account while the fees were being tooken fry. My account .while the fees accumulated and were withdrawn from my savings account.
Product: Mortgage

Submitted required paperwork provided by XXXX XXXX and and subsequently called and talked to multiple reps about scheduling inspection of home for appraisal in XXXX, XXXX, and early XXXX of XXXX, including email requests for said inspection and appraisal. 

The XXXX servicer has not responded to schedule the appraisal and in our view now is not needed, as the market analysis shows the home will sell considerably above the XXXX loan balance. As an heir, we have a market analysis done in XXXX of XXXX and updated in XXXX of XXXX, and we informed the XXXX company that we intended to sell the home and payoff the loan in XXXX at the sale closing in XXXX of XXXX. 


Home was listed in XXXX of XXXX and now a sale in scheduled to close on or before XX/XX/XXXX. The payoff request by me for XX/XX/XXXX was provided and includes a {$750.00} charge by the XXXX servicer for an appraisal that was never done. Have asked for a copy and it has not been provided. That is likely because an appraisal has not been done by the XXXX servicer. I am the PR for the estate and an heir with control of access to the property and that information was provided to the XXXX servicer in XXXX of XXXX. An appraisal has not been done. 

With the imminent sale by XXXX, that appraisal is not needed now since we are paying the loan in full. We simply want and have requested a corrected payoff for XX/XX/XXXX excluding the erroneous ( and excessive above normal ) charges of {$750.00} for an appraisal. 

Please help me get the payoff corrected and expedited to me for the closing.
Product: Credit reporting or other personal consumer reports

About a month ago I received an email from Experian telling me the email associated with my account had been changed. This was confusing because I had neither made this change. I soon found that a hacker was able to circumvent all of experian 's security measures ( including bypassing a two factor authentication ) and gain access to my account. Unfortunately Experian has refused to take ANY measure to protect the incredibly sensitive information they have allowed this hacker to access. Indeed it is impossible to speak to anyone except an AI over the phone and when I finally received a response to an email ( which likely also came from AI ) I was told the ONLY way that Experian would take ANY action to protect my information would be if I mailed or faxed them substantial personal information including a copy of my social security card. When I asked for a more secure and less onerous way to submit such sensitive info all I received in response was an AI giving me the mailing or fax address. The fact that in 2024 such a large company with access to such sensitive personal info is somehow both unable to implement basic security measures like an effective two-factor authentication and unable to provide an easier and more secure way to resolve what appears to be significant security failures or take any measures to protect my personal information in the interim is frankly shocking. A brief XXXX search will reveal this is not an isolated instance and indeed this issue has existed for years and affected many consumers. However it seems rather than improve their security Experian has simply decided to make resolving the issue as difficult as possible. I urge you to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license
Product: Money transfer, virtual currency, or money service

Hi! I had some money in investing and when a failed deposit went through i was forced to sell all of my investments. I had {$420.00} positive after that. Robinhood then restricted my account and only send automated messages. I cant transfer my money out and they got me evicted! I need my money!
Product: Credit reporting or other personal consumer reports

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

Account name AFFIRM INC, Account # : XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 have also discovered hard inquiries from the following companies that I never authorized. The fair credit reporting act states that only permissable purpose for pulling ones credit report is for : Firm Offer of Credit, Insurance, Employment, or court order. I have not authorized any of these companies to pull 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 XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened an business checking account with US Bank on XX/XX/ and deposited {$16000.00}. They closed my account without my authorization on XX/XX/ and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license to verify my address ( front/back ), social security card ( front/back ) and two billing statements from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( the originating bank that I initially requested to transfer the funds to US Bank ). Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. I've sought help from my originating bank ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. 

XXXX from US Bank XXXX Customer Assurance DDA Fraud and Risk Prevention Office of the President ( see attached documents ) said that US Bank will return the funds back to XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( after 15 business days from XX/XX/XXXX ). It is XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has still not received the funds ( {$16000.00} ) even after 25 business days. 

US Bank Reference Number XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I contacted Early Warning and requested to opt out and they denied my request stating that they do not fall under the FCRA rules and regulations. They would not provide a written denial to my request only a verbal denial.
Product: Credit reporting or other personal consumer reports

NewRez Mortgage performs their escrow analyses for Minnesota ( and multiple other states ) in XXXX - long before my annual insurance premium and property tax figures are received - and perennially takes MONTHS to effect corrections to my monthly mortgage payment to reflect the changes I report to them.. changes which SHOULD reduce my escrow amounts and ultimately lower my monthly mortgage payment. 

To date - despite multiple calls and online correspondence ( providing ample documentation evidence of the reductions )- they have yet to implement those reductions, and have added a new twist : Subsequent to each escrow correction request I have submitted, Newrez added irrelevant and inflammatory retaliatory remarks to my credit bureau report, which have negatively impacted them by lowering my scores by up to XXXX points - despite repeated pleas to cease-and-desist ... asserting falsely ( via recorded telephone calls ) that they do NOT add such remarks- which is patently untrue, and for which I have substantial documentation from those credit bureaus ( see attached PDF ). 

In one recent instance, instead of removing those remarks, they " doubled down '' - adding a duplicate of the initial offensive remark ( " account information disputed by consumer '' and " consumer disputes this account information '' ) And - at the one bureau where they'd actually deleted the remarks- they " retaliated '' in response to my phone calls and once again added the remarks ... negating the XXXX points previously restored, and once again further damaging my score with another decrease of the same amount. 

I can not believe that I am the sole recipient of such retaliatory actions, which for all intents and purposes appear designed solely to discourage ANY requests for escrow adjustments.. and firmly believe that you may find others who've suffered similarly? 

Subsisting on a social security XXXX income, I can not afford their continued collection of excessive escrow sums... and I most certainly can not allow this continual retaliation and assault on my credit bureau scores to further damage my existing and potential credit accounts! 

Thank you for your compassionate consideration.
Product: Student loan

I had a XXXX over the last 3 years and during that time was unable to remember many events and situations. At the time I did not have medical insurance and was left with significant medical bills of which some went in to collections, lawsuits and judgments. I will be paying on these for some time. 
This was all explained to the DOE prior to them saying they would send me a " Hardship Form ''. There apparently was a loan I signed for account # XXXX serviced by XXXX XXXX from The Department of Education. 
After I called the Department of Education on this loan and was told it went into default. I spoke to them about bringing it out of default and said they would send me a Hardship Form. As it turns out it was a deferment form so I called again and they said to just send what I could. Within a few days the Department od Education apparently placed this account into collections with a company called FMS. This company called me 5 times over the next five days and I told them not to call me anymore. I requested they only contact me in writing after checking their records of consumer complaints. 
Now the original amount of the loan was {$41000.00} interest due on this Parent Plus loan to date is {$4500.00}. FMS added {$11000.00} to the amount owed to DOE! How is that even possible, I almost had a XXXX when I got this letter. How is this possible that within one week I could go from owing {$45000.00} to {$57000.00}? 
Please help me straighten this out as this company is not going to treat me in a fair manner, at least that is my first impression. I would be happy to supply you a copy of their letter. I was going to send a certified letter to dispute the {$57000.00}, please advise. 
thank you, XXXX XXXX XXXX. 


These fees can not possibly be legal and the cavalier manner in which the DOE just forwarded this account to a collection company is not right. I have formal payment plans with the Internal Revenue Service and the State of NJ for back taxes while I was in the hospital and recovering. The treatment I received from both agencies was far better then this situation. FMS was constantly auto-dialing me at all hours of the day and evening. I have written times and various numbers they called from. Sometimes as late as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights : Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.