23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681. 
Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus. 
A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0. 
The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.
Product: Student loan

I have called Sallie Mae 3 times within 6 months about getting my loan repayment lowered and extended longer. They said no that I have to pay {$360.00} every month. I wanted to get it lowered to like {$150.00} a month because I can't pay {$360.00} a month. They said if I didnt make the payment by the due date collections would call me and give me more options. Sallie Mae told me they would work woith me on my payments and they say have been Helping American Students for decades. That's false advertising because they don't help at all, they rip us off and tell us false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed XXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting this complaint regarding Midland Credit Management , Inc. ( MCM ) due to their failure to validate a debt upon request, their questionable authority to collect the said debt, and their inaccurate reporting practices. Below, I will outline the issues, supported by relevant legal provisions, and request the removal of the disputed accounts. 

1. Failure to Validate Debt Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), when a consumer disputes the validity of a debt in writing within 30 days of being notified, the debt collector must cease collection efforts until they provide proper validation of the debt. Despite my repeated requests to MCM for debt validation, they have failed to provide sufficient documentation proving that they have the legal authority to collect the debt. This failure is a clear violation of the FDCPA. 

2. Authority to Collect the Debt I have disputed whether MCM has the authority to collect the alleged debt. MCM has failed to provide any legal documentation or assignment of debt proving they are authorized to collect on behalf of the original creditor. This raises further concerns about their compliance with FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to ensure the accuracy and completeness of data reported to credit bureaus. 

3. Inaccurate Reporting Based on the attached documentation, there are clear errors in MCMs reporting of the disputed accounts to the credit bureaus, including discrepancies in the Date Last Active, Last Reported Date, and the reported balances. Specifically : The Date Last Active and Last Reported Date are inconsistent across reports, violating FCRA 607 ( b ), which mandates maximum possible accuracy of information in credit reporting. 
The account is being reported as a Collection/Chargeoff despite my disputes and the lack of validation, violating FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly update and correct information after receiving notice of a dispute. 

4. Errors in Reporting In addition to the above, discrepancies in the payment status and remarks ( e.g., Placed for Collection ) demonstrate a lack of compliance with the legal obligation to report accurate and up-to-date information. These errors can have severe negative consequences for my creditworthiness.
Product: Checking or savings account

On XX/XX/2024, I experienced two unauthorized transactions totaling {$270.00} and {$200.00}, withdrawn from my Cash App account. Following prompt communication with Cash App and the submission of a dispute form, I received an email notifying me that my claim was denied, accompanied by an absence of detailed explanation.
Product: Credit reporting or other personal consumer reports

im a victim of fraud and someone fraudulent used my imformation such as my ssn to open up fraudulent accounts
Product: Checking or savings account

I opened my work email on XX/XX/22 and discovered 4 emails stating I had opened an online banking account with Bank of America - 1 ) to varify my email 2 ) online application is in progress 3 ) Your application was approved 4 ) Welcome to Online and Mobile Banking No monies were exchanged at this time. I do not have an account with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

tryed updating my phone number to my affirm account and still getting the same XXXX from affirm and when i sent a compliant to affirm this is what i got,,,,, ATTACHMENTS affirm.pdf ( XXXX KB ),,, affirm give us a call, for your security, we need to update your number over the phone, please give us a call at XXXX, thanks for taking this last step, call,,,,, and when i do this, i still get the same XXXX, sending me a sorry XXXX link that does not work, i just called XXXX and still getting the same XXXX
Product: Credit reporting or other personal consumer reports

I have been divorced since XXXX The judge order for a name change. I have constantly asked Transunion to please change my last from XXXX to XXXX and they refuse to move XXXX off my credit report. I have shown my divorcee decree, driver 's license, social secuirty card and passport to show my last name has been change to XXXX XXXX and they are still refusing to change my last name. I am so confused on why CFPB can not help with this sitution. This is the second complaint against them and I know there is something that can be done to rectify this matter. The other credit bureau agencies and my credit accounts all have XXXX XXXX on it. Please help me change my last name with Transunion LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DPT EDXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : INQUIRY - XX/XX/2022
Product: Credit card or prepaid card

The XXXX XXXX in XXXX, Florida suggested that I get the Care Credit Card through Synchrony Bank so I signed up for it. However, he began to bill me twice for services I had already paid for out of pocket in cash. Also he billed me for services he never even gave me. All of the charges under the Care Credit account were not given and were unauthorized. He forged my signature for the credit card payment. I never agreed to pay the fraudulently charge amounts. 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

EXPERIAN RE : BANKRUPTCY DISMISSAL I HAVE BEEN DISPUTING A CHAPTER XXXX DISMISSED CASE WITH EXPERIAN FOR 3 YEARS. MY CHAPTER XXXX WAS DISMISSED BY NO FAULT OF MINE. BUT BY THE JUDGE ( SEE ATTACHED IN MY EXPERIAN FILE ) I SUBMITTED LAST MONTH. THE JUDGE DISMISSED DUE TO INACCURATE AND TIMELY FILING OF PAPERWORK FROM THE ATTORNEY XXXX XXXX. AND HE DISMISSED MY CASE BEFORE THE HEARING. AND REFUNDED ME ALL MY MONIES I SUBMITTED COPIES THRU CFB COMPLAINT LAST MONTH EXPERIAN SHOULD HAVE THE COPIES IN MY FILE. HOWEVER EXPERIAN STATES IT STILL HAS TO REMAIN ON MY CREDIT FOR THE DESIGNATED TIME PERIOD I AM REQUESTING THAT SINCE THIS BANKRUPTCY WAS DISMISSED AND NO HEARING TOOK PLACE THAT EXPERIAN DO THE FOLLOWING SINCE THEY WANT REMOVE. 

ADD A AMMENDUM ON MY CREDIT FILE STATING ( BANKRUPTCY NEVER TOOK PLACE )
Product: Student loan

I can not get ahold of fed loan servicing.. I have tried several times since XXXX of 2021 to call but I end up on hold for hours. And their call back option isn't working it just takes you back to the main menu. I have also emailed them several times with either no response or several months later a response with just general information. I have also sent a letter with no response. 

I have tried to pay my loan being since last XXXX since I got married I wanted to go off of deferment and pay it and tried several times but the payment never came out. I have written down the names of the people I talked with who were very friendly but nothing was ever done. Also every time I call I get different information then I did the time before which is helpful because it was options that I hadn't been given in the past but why wasn't I given these options earlier. 

With the changes to loan forgiveness which I was on, A lot of my loan should be counted when it wasn't in the past and even months that I was on loan forgiveness paying automatic payments there are 6 to 9 months where they aren't counting and they aren't saying why. I filled out a new application and that's how I found out that information but I can never get ahold of anyone to find out reasoning behind this. 

I have requested for them to call me back and ask the questions but I never get a response. I just want someone to call me back so I can get this resolved. I know they're busy and shorthanded and they're not going to service student loans anymore but I'm not sure what I'm supposed to do and time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from Experian, XXXX and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report it's showing Accounts ever late 1, i have never been late on any of my account payments and other bureaus record this correctly it only showing on Transunion ... I had to call my banks as well and i was requested to mail Transunion or call directly to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Product: Debt collection

Source Receivables Management has been trying to collect a T-Mobile debt ( {$2100.00} ) for several years that is not mine. I have asked for verification of debt several times without receiving it. They have put this collection on my report multiple times and removed it twice. The first few times it appeared on my report, I never received a letter. Recently, I received a letter from them on XX/XX/2023 stating that if I write to them by XX/XX/2023 requesting verification of debt/disputing this debt they will send me proof and cease collection practices until this is sent out. I responded to their letter on XX/XX/2023 and have yet to receive anything and they have put the collection on my report which resulted in my score dropping XXXX points. I have been denied credit as a result of this drop in score and lost credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE
Product: Mortgage

In XX/XX/2019, I spoke with a representative from Shellpoint Mortagage. I communicated the fact that my mother-in-law ( the original owner of the house ) was deceased and my husband who directly inherited the property ( and was also executor of my mother-in-law 's estate ) passed away ( XX/XX/2019 ) after a long illness and with no life insurance. I experienced financial hardship and was also working with the courts to received executorship over this property. After discussions and emails, Shellpoint gave me an offer to defer the past due amount on this account. 

To accept this offer, I was required to make a down payment of {$510.00} by XX/XX/2019. I complied by making a payment on XX/XX/2019 with check # XXXX for {$510.00} and this check was accepted and processed by Shellpoint. 

In XXXX and XX/XX/2019, I also made payments of {$510.00} ( each month ) and these payments ( checks # XXXX and # XXXX ) were accepted and processed by Shellpoint as I confirmed from the copies of the cleared checks from my financial institution. 

As these payments were accepted and I met the requirement to make a down payment by XX/XX/2019, it was my understanding that my account was brought contractually current. However, I submitted payments for the months of XXXX and XXXX these payments were returned to me indicating ( incorrectly ) that my account is more than 90 days in arrears, and I am not in an active workout with Shellpoint. Since this time I have made numerous call to ShellPoint where I have been transferred from person to person and no one will help me to resolve this. I wrote an email documenting the information and have never received a response. I have now sent a certified letter with attachments detailing the workout letter they sent and the payments I made and they accepted. 

It is imperative that this issue is resolved as soon as possible as I complied with the requirements for a workout ( deferment ) and have submitted payments for the mortgage every month since XX/XX/2019 and can not afford to lose this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iver been a victim of identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I requested online and by phone Equifax to lift my credit file freeze. Their website incorrectly posts my information as incorrect. Their phone authentication process is difficult and impossible to navigate. Equifax rejected my multiple requests to lift my credit file freeze. I am unable to recall my past credit history because I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and need help to unfreeze my file. Equifax did not offer to help me. It's my credit file!