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

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report.

I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to re spond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Please remove the following : I do not have a contract with my signature attached. I do not have physical proof of any item listed XXXX XXXX XXXX {$210.00} Remove XXXX XXXX - XXXX {$2000.00} Remove I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists and or binding agreement. There is none of which, so I am asking to remove all inaccurate information listed..
Product: Student loan

XXXX XX/XX/2023 I was denied four times for my XXXX XXXX of college student loan of XXXX XXXX I have an impeccable payment history on my student loan interest payments. However, at this time I was unaware that I was put into collections by XXXX University for a XXXX course I took ( they never accepted my XXXX  student loan because they never told me that they did not accept student loans for visiting students ). Furthermore, I paid this debt of {$4300.00} by the time Discover Student Loans would allow me to apply again 30 days after the previous credit check. I called XXXX to make sure my account was clear and the man who helped me said " yes ''. I go to apply for my student loan on XX/XX/2023 and I was denied again. I called Discover and they stated that I had an issue with my credit. I checked and on my credit report, there it stated that I had missed my Discover credit card payment due the XXXX of XXXX of {$190.00}. I missed this because I had to pay the interest on my student loans on XX/XX/2023 of {$210.00} and after the surprised collection agency payment {$4300.00} I was broke. XXXX of working and money I had saved up went all to those payments and I had no money left. I was not working either because I was moving into school later that week and was looking for a job near campus in XXXX XXXX. Now I paid {$270.00} this passed week my Discover credit card out of what little spending money I had for food while on campus. I currently have {$29.00} in my checking account. This whole ordeal has left me borderline destitute all because I missed a payment to Discover credit card now I am unable to pay for my final year of college.
Product: Checking or savings account

I recently changed my phone number and device and I can not access my account nor have they replied to my messages nor called me back. Is Robinhood a RICO organization? How do you not provide adequate means of communication. I feel like your out to fleece, rob, steal, and cause harm, havoc, to investors. Ive placed orders and theyre never filled at the price I ordered its like youre stealing. Taking my info and buying for whomever and then place my order at a much higher price thus costing me. Check my orders. Now I can not get into my account after a transfer was made. I try and communicate and you either ignore or blatantly disregard my messages. My new number is XXXXI also no longer live at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. My new address is XXXX XXXX XXXX, XXXX, NJ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 15 u.S.C 1681 section 602 A.states I have the rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

I have previously applied for direct consolidation with the department of Education and to have my loans serviced by XXXX. My student loans are currently being held hostage by Navient and I no longer want them as my servicer. I have 16 years of payment history I will lose without the direct consolidation according to the new SAVE plan thats available. I have received the response back multiple times that my direct loan consolidation has been denied due to code XXXX XXXX or XXXX. I am neither dead nor XXXX and have spent multiple hours of my time trying to get this corrected. 

XXXX has informed me that Navient uses code XXXX Dead or XXXX to hold FFELP loans hostage and refusing to release them for direct consolidation for any loans with an open claim. I have an open claim for Borrowers Defense since XXXX that was approved in part of the XXXX XXXX XXXX lawsuit. Navient has not discharged the student loans that are part of this lawsuit, to date. They were instructed to discharge them back in XX/XX/XXXX but to date still have failed to do so. So Navient is refusing to follow the court ordered discharge and refusing to release my loans to another servicer. My loans are literally being held hostage by Navient.
Product: Debt collection

Someone added my name to an account for a Authorized user? I do n't know the person and I do n't have a target card never have. Please remove. I am a victim of identity theft. I been living in a 3rd world country for years.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a late payment with the for-profit Consumer Reporting XXXX EXPERIAN and XXXX for their inaccurate reporting and violation of my consumer rights for the trade lines XXXX XXXX XXXXXXXX XXXX XXXX for the amount of XXXX highest balance [ XXXX monthly ] and XXXX XXXX XXXX highest balance [ XXXX monthly ] I also disputed the alleged debt and asked for Validation of the debt from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has thus far refused to send me proof by written correspondence of validation but instead ignored my request all together and XXXX XXXX has not responded at all in over a month. 
EXPERIAN and XXXX I believe are willfully refusing to follow the law for late payments Per 15 USC 1666b-timing of payments, 15 USC 1681i , and 15 USC 1681e as the trade lines in question was acquired with a credit card per 15 USC 1602 ( l ). This violation of my consumer rights is injurious to me and in conflict with 15 USC 1681. I believe this is proof of willful negligence per 15 USC 1681n. Furthermore, I decided to opt out of EXPERIAN and XXXX reporting information on my consumer report without my written consent per 15 USC 1681b Permissible Purpose due to them violating my rights and injuring my credit worthiness with inaccurate reporting. After continued violation of my consumer rights by EXPERIAN and XXXX and seeing how the inaccurate reporting injured my credit worthiness on my consumer credit report to I felt forced to make a decision to opt out of EXPERIAN and XXXX reporting any information at all on the trade lines mentioned above per 16 CFR 313.7 ( f ) Continuing right to opt out, in hopes of resolving the issue in whole. EXPERIAN and XXXX willfully ignored my requests and still continued to violate my consumer rights and operate Ultra Vires. 
I also included this correspondence below in my dispute. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written non written, verbal and nonverbal per 15 usc 6802. Per 15 USC 1681n I am entitled to {$1000.00} per violation. 
These for profit Reporting Agencies EXPERIAN and XXXX have trespassed on the provisions of the FCRA and I the consumer am injured by their willful negligence. Per 15 USC 1681s-2 these consumer reporting agencies failed to in good faith investigate my dispute fairly and impartially due to their profitable interest. This inaccurate reporting is also a violation of my privacy per the Privacy Act of 1974. I never gave my written consent and if I unknowingly did I revoked it as stated above. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged debt in fact exists refer to 18 USC 8.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice a account on my credit report that i don't recognize nor done business with. I contacted the company about the account and contact the police
Product: Credit reporting or other personal consumer reports

Bank reported that my mortgage loan is not current and it dropped my credit. But it is current next payment is due in XXXX XXXX was already paid.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against FLAGSHIP CREDIT ACCEPTANCE and the credit reporting agency XXXX. FLAGSHIP CREDIT ACCEPTANCE has failed to provide the IRS Form 1099-C as requested for my account, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines . However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debt associated with my account XXXX XXXXXXXX which has been reported as " charged off. '' According to IRS Publication 453, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS.

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Product: Debt collection

PHH Mortgage Services sent me a notice in or about XX/XX/2019 that they are now the attorney of record in a case, Index # XXXX, Supreme Court, XXXX County, New York. 

NY CPLR 2106 requires a law firm to file an Affirmation stating that they have examined all the documents pertinent to the case and found them to be correct and true. Failure to file this Affirmation has led to dismissal of the case in many instances. PHH failed to file an Affirmation with the Court. 

My case must be dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report Thats not mine Ive never filed bankruptcy nor have I needed to. XXXX and Expereian have yet to remove this not properly investigated it i have paperwork that was sent to them from XXXXXXXX XXXX stating they were unable to verify and should be removed from the credit bureaus and have yet to do so after 2 years of going round and round its affecting me trying to buy my home and other things please get them to remove this immediately thank you. 
XXXX removed this 2 years ago within 15 days of it reporting they were amazing Thank you XXXX XXXX.
Product: Credit card

Talked to customer service worker about Target red card payment on manage red card. Pay half of payment customer service worker said payment app worked payed other half of payment on app called Target manage Red card. All of this to buy something small keep card from being cancelled. Get notice 3 months later that I'm late. Now have notice on credit history and score fell. I worker on accounts let pay for the card didn't charge late fee said wouldn't be on credit history. Would like charge taken off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 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 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 these items above should be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a XXXX XX/XX/XXXX XXXX  XX/XX/XXXX in XXXX  for XXXX XXXX months after I had to learn to walk talk write go to physical therapy for over 7 months. Account was open XX/XX/XXXX but I wasnt able to hold a phone nor write or talk due to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX dispute it with them they closed account and stated they was going to remove it but hasnt its been XXXX  months now. I have a police report XXXX stating that I was in XXXX  and this a fraudulent account need to be removed as well sent in my hospital records.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history
Product: Debt collection

We received a collection letter from Medical Data Systems , Inc. dba Medical Revenue Service ( MRS ), Inc. located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX on XX/XX/2020 alleging their client, XXXX XXXX Hospital in XXXX, CA was owed money. we responded with a letter via certified return receipt on XX/XX/2020 denying any monies were owed and indicated that in accordance with the fair Debt Collection Practices Act that they should cease and desist all further communications, attempts to collect the debt, and provided an explanation of why the debt was not owed. The certified letter was verified as delivered. On XX/XX/2020, we received another letter from MRS acknowledging receipt of our letter and attempting to collect the debt again.
Product: Mortgage

Wells Fargo does not allow me to make additional principal payment from the first of the month to the final due date of XXXX of the month. I have to make the principal payment almost ( at least ) 15 days before and it is interest free for them. That is another fraud by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Repeated, daily phone calls, paper mail and emails. Calls made were repetitious and at inappropriate hours. Phone calls to family members, giving information about my debt when they were not given family member phone numbers or consented to give out information to them.
Product: Credit reporting or other personal consumer reports

From XXXX to XXXX my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with XXXX, Equifax, and XXXX throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt XXXX in lawsuits. I had XXXX lawsuits by the end of next year against me for something that I have been trying to fight. XXXX lawsuit is stressful enough for one person, imagine XXXX lawsuits at the same time from these predatory lenders and debt XXXX. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt XXXX was able to have access to my personal information and these credit reporting companies had data compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXXCFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX.