23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management called my XXXX  and disclosed my debt and account number. They also told my XXXX  that an attorney would show up at the door if she didn't setup a payment plan.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section 6050P of the Internal Revenue Code, the creditor should have issued a Form 1099-C ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau Agency investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX can not provide clear evidence that this debt remains valid, including justification for not issuing a 1099-C form, you must correct and delete this information
Product: Credit reporting

The BK that is showing on all CB has past its term of limitation of reporting. 
I ask for all XXXX CB to remove the BK off my record.
Product: Mortgage

I have been attempting to get the PMI on my mortgage removed with Rocket Mortgage. Their website states that when my Loan to Value reaches 80 %, which it did when I made my XX/XX/2021 payment, I was to contact them to have it removed. I have called 3 times and have been given different answers as to why they wont remove it. Most recently was my call yesterday when I was told they run behind therefor I am to continue paying the PMI through XX/XX/2021 and then they will reimburse me. Each time I call I get a different excuse as to why they cant remove my PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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: Credit reporting 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 168XXXX. 

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 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.

Dear CFPB, I am writing to formally request your assistance in addressing a critical issue regarding inaccuracies in my credit report, which have severely impacted my ability to obtain new credit, achieve financial stability, and pursue the goal of purchasing a home for my family.

I have attempted to resolve these discrepancies with the credit reporting agencies, but the issue remains unresolved. I believe that these errors, which have been unjustly reported, are causing undue financial hardship. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that my credit report is corrected promptly. 

Thank you for your attention to this matter. I look forward to your assistance in helping restore my financial standing and enabling me to achieve stability and homeownership for my family. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, pa, XXXX. 
XXXX.
Product: Mortgage

XXXX has charged XXXX retuned check fees that do not exist Took a payment of XXXX dollars on XXXX and is still applying late fees when a principle payment was included. 

Company has taken a illegal contract that will supply account numbers to my business account for the purposes of fraud. Company has placed illegal STDs on my mortgage account after I explained that it was a civil matter and currently in court allowing people to place illegal liens on my property account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my first attempt was on XXXX and the second attempt was on XXXX and the credit bureaus did nothing but say my information was verified. There are accounts reporting inaccurate across all 3 credit bureaus on my consumer report. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit. This has caused me financial injury and defamation of character.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A medical bill I had was denied for payment. I called my insurance company and they told me the doctor did not submit the bill correctly. I told his receptionist that he just had to submit the bill correctly and my insurance company would pay it in full. Apparently he did not do so because it is on my credit report as a debt owed. If the doctor didn't want to submit the bill properly it is not my fault. I told them how to fix it and they didn't. I am not going to pay for a medical bill that I am not responsible for. All they had to do was to do their job right. And there wouldn't have been a problem. I tried to fix it, but it was up to them to correctly submit it. Not paying for their mistake. I even tried calling Credit Bureau of York to explain the problem. The number they give to contact them is a number that is no longer in service. There is nothing more that I could do.
Product: Credit reporting or other personal consumer reports

XXXX I submitted all documents that was required for the dispute via certified mail on XXXX I received correspondence asking me to provide the same documents. XXXX I sent those documents again via certified copy with receipts I also sent an email to XXXX with a copy of the same documents that was requested for the dispute. XXXX I was asked for the same information. I submitted the documents again. I also called and made an attempt to speak with someone which I was asked to leave a message, and I did. That attempt was unsuccessful. I started the process again on XXXX sent documents via certified mail and email. XXXX received correspondence asking for the same documents. I have made copies of all documents sent and all correspondence received.
Product: Credit reporting or other personal consumer reports

I have disputed with the credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the information that they are reporting is inaccurate. They have yet to fix the issue. I then contacted XXXX myself to get proof that they had sent the credit bureau the correct information. They informed me that on XX/XX/XXXX they reported to the credit bureau that my loans are ingood standing. Unfortunately the credit bureau is still reporting that I had late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Payday loan, title loan, personal loan, or advance loan

Ive been trying to log into my app and the actual website for weeks with no luck. Ive emailed the company 7 times with no response on the companys end trying to discuss my loan and my options for paying it off. No one has contacted me or reached out. This is extremely stressful given my current situation and super unprofessional not to answer someones messages when they are talking about XXXX dollars here. I feel its unfair to be giving money to a company that refuses to answer and put theyre customers first. I would look at the loan agreement to see my options but I CANT LOG INTO THE APP OR THE WEBSITE. I go to put in my user and password and hit log in and it doesnt work. Does not take me to a new page nothing. All responses to emails are automated so I havent spoken to a real person in weeks.
Product: Credit card or prepaid card

Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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.

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My Personal & financial information was compromised without my authorization. The Family Education Rights & Privacy Act ( FERPA ) and Title IV specifically protect the confidentiality of student records. This breach is a clear violation of FERPA & your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.
Product: Debt collection

Focus Receivables Management, XXXX, GA XXXX Phone Number XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX This company has reported a false/negative report on my credit report - a XXXX XXXX XXXX bill in the amount of {$57.00}. How do I get this false report off of my credit report? Can you help?
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Student loan

I have paid XXXX  towards my student loan. The payments made in XXXX and XXXX of 2021 have never been applied to my account. Therefore I asked that they be refunded to me. It's been over 6 months of making my last payment and they have not returned my money or applied it to the account. I have names, emails, constant calls, recordings and so much information that my next steps after this if there is no resolution is to file a small claims motion and sue them for the money. They continue to lie to me and the CFPB. Checks were never issued nor mailed. New checks have never been issued or mailed. I've spoken to pod leaders, accounting and on and on. I do not care about loan forgiveness, I don't care about some XXXX response about covid. If the CFPB also can not get resolution they will be named in my motion filing in court. Nelnet is not in compliance with the SEC and SOX regulations either by withholding funds, not providing me statements and evidence showing payments made in my account as well. I will also file a complaint for those which there is recourse for. Nelnet owes me this money or they MUST apply it to the account within 5 business days. This is a legal notice.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted documentation as a XXXX  of XXXX XXXX, that my adverse information be removed from my file and i have yet to receive any update or any changes made to my reports.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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.