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

The purpose of this complaint is , I request that XXXX XXXX   #XXXX,XXXX #XXXX formally substantiate account dataXXXX XXXX #XXXX,XXXX #XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX #XXXX,XXXX #XXXX  desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I applied for an SBA loan to rebuild a barn destroyed by a tornado. In XX/XX/2022, the SBA told me that I would have to lift a freeze placed on my Experian credit report. 
I repeatedly tried to access my Experian account over their phone system to lift the freeze but Experian said they did not recognize my email address. This is the only email address I have used. 
After repeated phone calls and attempts to set up a new account ( using the same email address ), I followed their robotic advice to send a letter to them to reset the user name and password. I sent this on XX/XX/2022, including a copy of my drivers license and a utility bill as instructed. 
On XX/XX/2022, the SBA informed me that my loan application had been withdrawn because I had not been able to lift the freeze. I tried to get the SBA to use one of the other credit bureaus but they said it had to be Experian. 
On XX/XX/2022, I received a letter from Experian that told me to remove the freeze online, which was what I had been attempting to do numerous times. I was expecting instructions on how to reset the user name and/or password but I got a useless form letter. 
On XX/XX/2022, I kept trying different Experian phone numbers in an attempt to talk to a representative. I finally got through and the Experian representative told me that the account was flagged as inactive. I requested it to be re-activated and she told me that their procedures wouldn't allow that. I asked what I should do and she first tried to tell me to send a letter ( with drivers license and utility bill ) to Experian and I said no, I had already done that and received a useless response. She then told me to start a new account with a different email address. I said I couldn't do that because the loan application included my email address and using a different email address would kick out the loan application. When I asked to speak to a supervisor, I was told that no one was available but that it would be escalated and I would receive a call back within 1-2 days. 
I have had no response from Experian and I am extremely frustrated. My loan is on hold because Experian can not correct my account. I don't know why Experian can not correct the status of my account, especially after I provided a written letter with all of the information they requested. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer and natural person have been reviewing my credit reports for accuracy. I called the number ( XXXX ) XXXX provided on my Experian credit report that I pulled on XX/XX/2022 to request debt validation on the account listed as US dept of ED/XXXX with a balance of {$1700.00}. I was immediately directed to an automated line stating they are very excited to offer me a special promotion and asked if anyone in my household is 50 years or older for a great offer on car insurance. No company name was provided and there was only an automated line, and I have recorded that call for record. Ive filed an FTC complaint because Ive previously been victim to identify theft and fraud and I have not consented to my personal credit information being shared with this third party. The address listed on my credit report associated with the account is a po box which gives me no reassurance to the validity of this alleged debt. I refuse to mail to this address in fear of my sensitive personal credit information being compromised. Pursuant to 15 U.S. Code 1681 Experian failed to exercise their grave responsibilities with fairness, impartiality, and a respect for I, the consumers, right to privacy. I did not authorize or consent to my information being sold to a promotional car insurance company. I did not enter into a consumer credit transaction with a promotional car insurance company and this inaccurate account being reported on my credit has negatively impacted my credit worthiness and my reputation as a consumer. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This inaccurate reporting by Experian has led to a severe increase in my debt to income ratio and thus negatively impacting my credit score and my ability to obtain credit. Experian also lists my name as " XXXX XXXX '' which is inaccurate and I have never identified as XXXX XXXX. There are several incorrect addresses that are not associated and have not been associated with me including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX.
Product: Credit reporting

disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Product: Debt collection

XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX ( XXXX XXXX XXXX XXXX ) To Whom It May Concern : This a letter I'm sending you regarding a negative inaccurate account or accounts on my credit reports, which you claim I owe {$7500.00} TO your company. This is a formal notice that your erroneous claimS ARE now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay YOU, GRANT & WEBBER, NOT SIGNATURES FROM XXXX XXXX XXXX XXXX. I am asking for proof of the original contract between myself and the original creditor with my true signature on it and the signature of a qualified employee of that original creditor. I want proof YOU have the full accounting of the original debt and I am asking YOU to provide proof of the assignment or the purchase you made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof.

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

THANK YOU, My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
Product: Debt collection

Agency is trying to collect on a debt that I have denied and disputed and they will not remove or stop activities! Also they did not state on credit report that this was being disputed.
Product: Debt collection

XXXX XXXX XXXX  are falsely trying to collect a debt that is not owed to them. In XXXX of XXXX I went to pay my rent and they wouldnt take it. I still am unaware of the reason. Then the next thing I know I get an eviction on my door for non payment. We went to court, I never seen a XXXX. Instead the Attorney for XXXX XXXX took me in a room and told me that I could be evicted for non payment or I can just sign an agreed judgement entry stating that I would move out of the apartment XX/XX/XXXX. He said I wouldnt be responsible for the rent from XXXX or XXXX. I agreed to sign it, because I was very sick. Had been recently diagnosed with XXXX XXXX. And honestly couldnt afford that rent because I was missing a lot of work due to Doctor appointments. I havent lived at that apartment since XXXX of XXXX. Here it is XXXX and they are just now trying to collect this made up debt. It says they charged me for paint and carpet. Which I dont under I left the apartment in great standing. I have pictures that I took before I moved out. My deposit should have handled anything that needed to be done. It also says I owe a water and power bill. I have proof that they were down XXXX on XX/XX/XXXX. I want this false debt off of my report or I would like to take legal actions against XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION will not do a credit freeze for me, either by phone or online. Tried from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting

Hello, Equifax reports the following errors as of XX/XX/2017 via my consumer reports : 1. Unknown creditor with no provided contact information, {$300.00} ( see attached ) 2. Unknown creditor with no provided contact information, {$100.00} ( see attached ) 3. XXXX XXXX XXXX is current and paid as agreed 4. XXXX XXXX is current and paid as agreed. 

Thank you
Product: Debt collection

No I idea who this company is I personally did not have an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted XXXX equifax and XXXX. Nothing has been done. A lawsuit is next
Product: Mortgage

XXXX XXXX is the loss mitigation representative who wrote by email on XX/XX/XXXX requesting the divorced co-borrower 's information in order to complete the loss mitigation application. 
On XX/XX/XXXX, I submitted a XXXX-page loss mitigation application, compliant with CFPB regulations 1024.41. The additional documents were going to be sent in zip format.mat, as indicated in the email with the application. Days later the representative wrote that the coborrower signature and consent was needed to proceed with the evaluation. The bank has failed to comply with HUD and CFPB regulations by requesting the signature and consent of the co-borrower, who is not obligated to participate in the loss mitigation evaluation process. 
According to XXXX handbook XXXX, co-borrowers who are deceased, divorced, serving in the military, or have mental health issues can be excluded from loss mitigation options since XXXX. A clarification issued in XX/XX/XXXX specifies that this applies to trial payments and final modifications. 
.Despite the regulations, the bank 's loss mitigation representative insisted on obtaining the co-borrower 's signature and consent to proceed with the evaluation. This request lacks legal basis and unnecessarily hinders my right to request a loss mitigation evaluation.They failed to fulfill HUD 's requirements for the assumption and release the co-borrower. They failed to explain or follow the steps related to the successor in interest The bank 's insistence on the co-borrower 's signature unjustifiably delays the evaluation of my application again. On XXXX I was approved for a loan modification and made the trial payments as requested but then was denied by the lender because they wanted the divorced coborrower to sign the modification.
Product: Debt collection

I got a fraud charge {$76.00} from XXXX ride to my bank end of XXXX.. I never use the service so I went to my XXXX bank to dispute when transactions is pending a week later on XXXX I suddenly received the collection letter show I had an unpaid balance account number XXXX ( that I never know ) {$76.00} and told me have to pay before XX/XX/XXXX, if not they sent me to the collection from trs recover service. I went to online and check to see dispute service form that TRs recover service recommend me to do, I couldnt trust tghe website at all they asked me to fill out bank account number and routing number for dispute processing. It was so weird What can I do?
Product: Student loan

In XX/XX/XXXX, I was pushed by customer service at MOHELA to switch to the XXXX plan. I submitted an application to do so in XX/XX/XXXX, but that application shows on the website as never processed. However, when the court injunction was issued I was placed in the XXXX forbearance meaning that this time does not count towards my XXXX  qualifying months. I am currently only XXXX months away from XXXX relief, or should be if these months are counted. On XX/XX/XXXX I submitted an application to switch to a different in income based repayment plan in order to get out of the forbearance and continue qualifying payments. By MOHELAs rules when this was submitted, I should have been switched to an administrative forbearance which would count towards XXXX. I called on XX/XX/XXXX, and was told that I was still in the XXXX forbearance, and that these months would not count and that my form had not been processed to change my plan. These forms are supposed to be processed within 60 days. I was told that I would be kept in the XXXX forbearance, and that they did not know when my form would be processed. As of right now that is still showing the same on the website, and additionally the XXXX  certification that I submitted in XXXX has not been processed. I am very worried that these months will not count towards my XXXX  forgiveness which I have been working towards for XXXX  years. This is really unacceptable and something should be done.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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, credit repair services, or other personal consumer reports

I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of XXXX separate data breaches my personal information was held liable in, I still dont get the respect I deserve
Product: Payday loan, title loan, personal loan, or advance loan

Went through XXXX mail for a loan they had me put insurance on my car through them when I already had insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 certified letters with return receipts, first letter was sent out XX/XX/XXXX an received XX/XX/XXXX asking Lexisnexis to Verify Public Record of Bankruptcy or to delete account also included was a letter from the Court saying that " they do not give or sell any information to third parties '' and I never got anything back from lexisnexis nor did they mark the account under dispute or notify the 3 credit bureaus of the dispute. On XX/XX/XXXX I ordered my consumer report to see if lexisnexis might of marked the account under dispute but they didn't. Second letter was sent out XX/XX/XXXX an received XX/XX/XXXX it was a follow up letter do to lexisnexis not replying to my initial letter an how they violated federal law. Lexisnexis took 24 days before acknowledging my second dispute an on that 24th day of XX/XX/XXXX lexisnexis then marked the Public Record of Bankruptcy under dispute, but did not notify the 3 credit bureaus of the dispute and on XX/XX/XXXX which equals a total of 66 days from initial letter with follow up letter to get a response lexisnexis replied claiming they Verified that Bankruptcy is accurately reporting to my consumer report but lexisnexis also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. Third letter was sent out XX/XX/XXXX asking for Method of Verification and asking lexisnexis to send documents of proof or to delete the account and on XX/XX/XXXX lexisnexis then responded claiming they Verified that Bankruptcy is accurately reporting, once again with out Providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies regarding the [ XXXX XXXX XXXX XXXX account listed on my TransUnion credit report. Upon review, I have identified errors, These discrepancies adversely affect my credit score and financial standing. 

Please investigate this matter promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and correct the inaccuracies. Enclosed are supporting documents for your review. I request regular updates and written confirmation once corrections are made. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I got solar panel approx 1 yr ago. I brought out 6 mo of electricity bills and was told I would be paying the average of the payments with very low interest ( XXXX ). Was told payment would be XXXX mo ( average of 1 years electricity payments. After panels were installed, got a call from lender- goodleap. They told me that to keep the payment the same- they want 25 % of the entire bill ( XXXX ) in 18 months. This basically would take away my government discount for the panels. This Was never mentioned prior to installation. So if it wasnt paidmy monthly bill would would go up by about XXXX more a month. So I am trying to pay off the loan- they are still saying pay off is XXXX. I did not give them the XXXX extra ( 25 % pd by 18 mo ) it seems that me paying XXXX month should have decreased it somewhat plus I would expect it to go down if it is paid off early- I.e. finance charge. This is predictory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance XXXX