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

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : XXXX XXXX XXXX EXPERIAN : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax Credit Agency claims that : 1 ) XXXX  XXXX XXXX XXXX  ( charge off ) Balance {$9300.00} is accurate after my dispute 2 ) XXXX XXXX XXXX XXXX  ( charge off ) Balance {$40000.00} is accurate after my dispute 3 ) XXXX XXXX XXXX  XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed employers and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND EQUIFAX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Student loan

I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I have been a victim since XXXXXXXX XXXX The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX XXXX XXXX  is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX  failing to properly verify things.
Product: Student loan

Hello, I have paid off my student loans completely through a private vendor, XXXX XXXX. Somehow EdFinancial has picked up a false loan and it's showing on my student aid federal government account, even though I have never had a federal loan, only private. 

I looked up EdFinancial and everyone said to file a claim. XXXX XXXX has also confirmed there is no way the loan was transferred or that it could be considered federal. 

Thanks for your help, XXXX
Product: Debt collection

I made an XXXX appointment with the XXXX XXXX XXXX in XXXX on XX/XX/XXXX, and XXXX XXXX XXXX refused to do the ear cleaning and referred me to an XXXX, although it was not urgent, and she should have been able to XXXX. I did not go to the XXXX, as I knew it would be more expensive, and so I used up XXXX sets ( XXXX ) of the remaining XXXX sets of XXXX that I had left over that I had purchased in XX/XX/XXXX. The XXXX sets cost about {$100.00} and are no longer available. XXXX failed to tell me in advance that I would be charged if she refused to do the ear cleaning. She did not give me a bill and failed to tell me that I would be charged when she refused to do the ear cleaning that I specifically made the appointment for. I later received a bill dated XX/XX/XXXX, for {$76.00}, after Medicare paid the first {$12.00}. As there was no way to call XXXX, I called the XXXX customer service, and I was told that a supervisor would call me, but no one did call. After I received the 2nd bill, I called again, and they had no record of my having called the first time, and again I was told that a supervisor would call me, but no one did. After I received the 3rd bill, I went in to talk to XXXX and her coworker, and she seemed to agree that I should not have to pay, but she could not reverse the bill, so she emailed her supervisor who was supposed to call me but did not. Several weeks later, I received a letter from XXXX XXXX XXXX from the XXXX XXXX XXXX office in Rhode Island. As she does not take calls after XXXX California time, and I do not get up that early, I left XXXX phone messages for her requesting an email address so that I could explain in writing why I do not owe XXXX anything, but she never responded.So on XX/XX/XXXX, I mailed her a XXXX page written letter. The next day, I received a bill from XXXX 's collection agency, Transworld Systems Inc. in XXXX, PA. I called the same day and left a message explaining that I do not owe XXXX anything, and now they have sent a second bill. On XXXX XXXX, XXXX XXXX illegally called me at XXXX and left a phone message. I left a phone message for her that she needs to stop billing me for the fraudulent charge. Medicare defines Insurance Fraud as " One form of insurance fraud is when a provider bills medicare for services you never got ''. As a result of my bad experience with XXXX, I will never use a XXXX XXXX XXXX, and I will never shop at XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of 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 was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me 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, XXXX XXXX CR 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

Account XXXX, Account name : XXXX 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 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: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX - XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account Number # 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: Debt collection

They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Evaluate this reporting by making a revision of the information provided, The XXXX Credit Bureau is reporting current status to be Bad debt/Collection Please re-investigate this account and change the status to Paid or simply " Remove '' the account. The Bureau statuses are damaging to my report, which would not be happening if they investigated properly before posting derogatory information.
Product: Credit reporting

I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.
Product: Money transfer, virtual currency, or money service

Wells Fargo and XXXX XXXXXXXX XXXX knowing that XXXX XXXX AKA XXXX AKA XXXX also a XXXX XXXX XXXX have both wire transferred overseas my trust money the sooner you can put them in prison and stop them from harming consumers with their malware that they have hacked into phones with also Federal reserve is after Wells Fargo they have been fined repeatedly and continue to cheat people and steal their money
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : RE : Third Party Accusation Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. So you stated in complaint XXXX that you need my authorization even though I supplied you with a police report, ID theft report and a request to block this information. 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me that I questioned the accuracy of a few items on my credit reports. That request was submitted by menot a third party agency. 

It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this communication dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter response, thus giving you only 15 days, not 30 more. 

I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 

Sincerely, XXXX
Product: Debt collection

I am unaware of any contractual agreement or obligation to pay you. I refuse to pay this alleged debt. I demand that you remove or delete any and all account or tradeline from any and all consumer reporting agencies immediately upon receipt of this NOTICE.
Product: Student loan

Months ago I spoke with someone on the phone to take our loans to standard level so there would be some hope of every getting them paid off. I was told it was done. 

The loans returned to repayment and it was still the reduced amount. 

I applied for Standard Level multiple times and today, XX/XX/26, I get a message they put it in forebearance. 

I've tried to call multiple times and been on hold for hours. I also tried to send them a message, but the site only loops you back to a FAQ. I saw something about XXXX and went there but they turned off the comments. 

How can I resolve something that has no means of resolving?
Product: Credit reporting or other personal consumer reports

After carefully reviewing my latest credit report I noticed some inquiries that I did not authorize or give my signature to pull my credit. Here are the referenced inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX. My husband and I divorced due to His XXXX   XXXX. I am on XXXX and have XXXX. This debt was assigned to him and the balance was only {$350.00}. XXXX XXXX contracted this debt out to LVNV Funding LLC. I called and talk to them trying to explain to them that this caused my credit to drop -46 points and I have worked hard to bring my credit score up. This young man I spoke to called me every name possible, said I was a horrible person charging things and then " running out of my debts '' and got me so upset I had to go to ER with a horrible XXXX XXXX. I was trying to explain to him what happened but he would not listen. My credit score dropped -34 thru XXXX and -43 thru XXXX. Please help me get this straightened out and now they call me from XXXX XXXX through XXXX and I can't emotionally take this. My husband used this credit card out of malice and will not pay it. I only have social security XXXX as an income.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$4500.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood.

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report.

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.