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

of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX College employee XXXX XXXX spit in my face ON XX/XX/2019. I called Human Resources and went to the XXXX XXXX Police Department. XXXX XXXX XXXX sent me a harassing letter to my post office box stating I can not step foot on campus. How can I step foot on Campus went I was never a student at XXXX XXXX College? 

Ed Financial told me to submit police reports the reports are inaccurate account of what happened XXXX XXXX the office that XXXX XXXX brought up to the XXXX County Board of Social Services building where I was applying for XXXX XXXX and housing at the State of NJ office. I turned my back towards my cousin XXXX XXXX and me other cousin XXXX XXXX had the Drug officer XXXX XXXX. Escort me out of the building. I didn't do anything illegal. I just left the building on my own free will. 

XXXX County Police Department XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im still being harrassed by my XXXX XXXX, XXXX XXXX at XXXX County Board of Social SERVICES XXXX XXXX XXXX XXXX, NJ XXXX. 

I took XXXX XXXX to court in XX/XX/2019 the Judge XXXX and the XXXX County Prosecutors office stated she did spit in my face I was in the wrong court. Everything is being recorded in XXXX XXXX XXXX Municipal Court. A  scamming city XXXX, Nj.
Product: Credit reporting or other personal consumer reports

Congratulations Experian, you've earned both my sole complaints to the cfpb to date. 

I had a terrible experience using Experian years ago in regards to credit freezing which eventually was resolved after a lengthy process. Currently on XX/XX/year>, when trying to sign into my account, I am given the oops, we're sorry page with their toll free fully automated XXXX number to call. Yeah, I'm sorry too for using your product. As per usual, there's no actual human representative to speak to and the available options do not allow you to resolve the issue by yourself. " Experian is committed to protecting [ my ] personal information '' so well that even I the original owner of said information can't access it. I was able to create new accounts with the other two credit reporting bureaus without issue whereas Experian can't even grant me access to my existing account with them. In the meantime, I will just have to cross my fingers and pray that no one manages to commit identity theft or fraud on my behalf via Experian with this level of " protection ''. It's a wonder they're still allowed to exist. If they weren't one of the big 3 credit reporting agencies, they would long be out of business for their abysmal product support.
Product: Credit reporting or other personal consumer reports

I was attempting to temporarily lift a security freeze today ( XX/XX/24 ). When I logged into the experian website, it forced me onto the page to order my free credit report ( which I did not want to do ). There was no way to bypass this screen to get to the security freeze page. When I broke down and entered the information to get the free credit report, it took me to a page that said it didn't work. There was no way to bypass this screen to get to the security freeze page. Every time I went to the sign in page I was forced to go thru this process. I went thru this same process in XXXX, XXXX, on my laptop, on my phone with the same result. There is no email address that I can contact them with and when I called could not get a human.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate removal of incorrect child support debt information currently listed on my credit report. This request is in accordance with the Fair Credit Reporting Act ( FCRA ) and recent court rulings that restrict the use of consumer reports for certain types of collections. 

Despite the important notice issued by XXXX regarding the inapplicability of consumer reports for collecting delinquent child support, my credit report still reflects such a debt. The specific details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Amount : XXXX has a {$18000.00} balance and XXXX XXXX has a {$16000.00} for a Combined total of {$34000.00} as of XXXX XXXX XXXX 
Recent federal court decisions, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Case XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), have clarified that delinquent child support obligations do not arise from a " credit transaction '' and therefore should not be reported on consumer credit reports. 

XXXX XXXX notice explicitly advises third-party collectors and related entities to obtain a consumer report only when : There is a court order authorizing the provision of the consumer report. 
There is written authorization from the debtor. 
There is a contractual agreement that qualifies as a credit transaction. 
I have never provided written authorization for the reporting of this debt, nor is there any court order or relevant contractual agreement. Therefore, the reporting of this child support debt is a violation of the FCRA. 

Please be aware that continued reporting of this incorrect information not only violates federal law but also subjects XXXX, XXXX and Equifax to potential civil liabilities, including statutory damages, actual damages, and attorneys ' fees. The FCRA allows consumers to seek damages for willful noncompliance, which can amount to up to {$1000.00} per violation, plus punitive damages and any legal costs incurred.
Product: Credit card

I sent my spouse XXXX XXXX  to AMEX couple times since last year but they never enroll me in XXXX and waive the annual fees.
Product: Student loan

Since Navient has been the loan servicer I have received wrong information, pressed to apply for forbearance and not provided accurate and clear information about the income-based repayment and or borrower defense, since XXXX XXXXXXXX XXXX XXXX XXXX ( now XXXX University ) provided me with false information about their accreditation and the ability to be licensed and employed after completing their program. 


I enrolled in the program in 1998. There was no APA accreditation.
Product: Debt collection

On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. 

I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. 

I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. 

I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? 

Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX  paying them. 

This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX  needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 we received a response from LendingClub Corporation for CFPB Case No. : XXXX. In their response they state that the outstanding balance left owing on the account was interest accrued from XX/XX/2019 to XX/XX/2019. We just paid off two other accounts in full by the amount of the balance due from the online statements, the same way we paid this account off. Both accounts have a XXXX balance with no additional interest accrued. In one sentence of the response it is stated that the {$740.00} was applied to interest accrued from XX/XX/XXXX to XX/XX/XXXX and then it is stated in another sentence that this amount is the remaining principal with interest added to it totaling {$830.00}. This response make no sense. 
Also they didn't address the issue of the bait and switching of the interest rate from 17.99 % at the time of application to 27.27 % as the final interest rate. We would never agreed to this loan at this interest rate. 
No explanation was offered as to why our account was closed online, which they admit to closing in the response. Why was our account closed if the loan wasn't paid in full?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to Hunter Warfield asking them to prove where I gave consent to report this account to XXXX, XXXX and XXXX. 

Furthermore, per the FRCA as a federally protected consumer, I advised them that I am now opting out of any and all authorizations I, the consumer may or may not have given them ; written, unwritten, verbal, and nonverbal per 15 USC 6802. I stated this was effective immediately and indefinitely. However, it has been over 30 days and I have not heard back from them, nor has their account been removed from my credit reports.
Product: Debt collection

Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, XXXX, and Experian credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$990.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or receiving these funds in any form or fashion. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately. 

I have attempted to reach out to your company by phone on several occasions but have not been able to speak with any representatives. Therefore, I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me.

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me.

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible.

Your immediate attention to this matter is appreciated.

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report.
Product: Mortgage

I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. 

However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. 

I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the end of XXXX, I first attempted to have a freeze on my credit with Experian lifted by completing their online form, but was unsuccessful. I was then informed that I would have to mail a copy of my Social Security Card, Driver 's License and a current bill with my mailing address ( which I did on XX/XX/XXXX ) in order to be re-issued a new PIN. 

Since then, I have called the Customer Service number at experience at least 5 times to request that they lift the freeze on my credit so that I can apply for a refinance of my home mortgage.Thus far, I have been unable to contact anyone at Experian to request a new PIN or to have the credit freeze lifted.
Product: Credit card

XXXX XXXX XXXX requires I ageee to a mobile app. This app allows them to have access to all information on my phone. I told them I did not want to do this. They replied then if I dont get the app I can not get the card. Are they crazy? This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/202XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX  inquired on XX/XX/2022 ; XXXX  inquired on XX/XX/2022 XXXX XXXX XXXX  inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX  inquired on XX/XX/2022 XXXX XXXX XXXX and inquired XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Product: Mortgage

Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.
Product: Money transfer, virtual currency, or money service

I made international money transfers to XXXX XXXX. on XXXX for $ XXXX fees.Then i call WU to get my refund but the staff made a cancellllation instead.I call several times but WU gave different excuses and gave me 3 different case numbers.I had the reciept sfter their system confirm the transactions is paid for using my debit card ending in XXXX.The money was not there.attach is the reciept wu email me as proof that it was paid for on that day.
Product: Credit reporting or other personal consumer reports

I did not agree nor consent for my credit to be ran by said company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2021 a Navy Federal Credit Union account was furnished to my XXXX credit report without written instruction or consent of I, the consumer per 15 USC 1681b ( 2 ). The account has been charged off and has since become income for the debtor and when Navy Federal Credit Union was contacted for a copy of the 1099 C they refused. I have reached out several times regarding this matter and have been lied to, hung up on, or left on hold for hours. I also sent in a " Opt-Out Request for Disclosure of Nonpublic Personal Information '' letter and was met with no response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX