23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notice that my existing CFPB Complaint # XXXX is closed and Bank of America has still continued to report erroneous ratings to XXXX for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to let them know that I was a victim in unauthorized inquires on my credit report and gave them a list of which inquiries I did not authorize and the representative continued to say that I was not a victim and I did the inquires myself, well If I did them myself I would know that and wouldnt be calling!! So I was in great shock when the representative was not willing to help me at all. Attached are the inquires I did not authorize.
Product: Credit reporting or other personal consumer reports

Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Account with XXXX : XXXX Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

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

I couldn't respond to a previous claim number-XXXX Experian said they don't have the accounts on my credit reporting but it is clearly showing and if it is not showing then why it it showing on my credit report. i will list the account below again. This has been past the four days that the law states for deletion in I demand that it gets deleted from my credit profile. XXXX XXXX from Experian in the fraud department has not returned my phone call. 

XXXX XXXX XXXX {$830.00} Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the XXXX data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well. I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt. I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX XXXXXXXX : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit card or prepaid card

I contact XXXX bank by phone regarding an alert I received on XX/XX/2022 regarding a purchase I did not recognize. In order to get information on the purchase, I had to call XXXX because this could not be done online. I also try to dispute the charge online. I called and was told I needed a security pin that I had provided on the account. I don't remember the pin because I do my banking online which doesn't require a pin. So I was not able to get the information I needed, I asked if there were other security questions they could ask me, the reply was no. The only way to get this information I needed was to visit the XXXX bank. Because of this policy, I was not able to dispute the charge. I'm XXXX XXXX XXXX and can not visit the XXXX bank.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

on XXXX XXXX, 2016, discover card services pulled my credit report without my consent. I did not apply for any credit, nor obtain any goods from Discover card services. there is a fraud alert on my credit report and the company failed to verify any information. There are XXXX inquires showing up on my credit report. XXXX and XXXX. Both dated XXXX/XXXX/16. I have not received a letter from the company. I only knew the company pulled my credit report by an alert from all three credit bureaus. This company has engaged in fraud and identity theft.
Product: Credit reporting or other personal consumer reports

Im seeing unauthorized inquiries on my credit report that I can not explain. My regular check brought up discrepancies that left me confused and worried. I tried refreshing my browser just in case it was a temporary glitch, but theyre still there. Please, I need these documents reviewed thoroughly so I can avoid further stress and have complete peace of mind.
Product: Credit reporting or other personal consumer reports

This account number XXXX from XXXX XXXX XXXXXXXX is reporting late payments from XXXX  and XXXXThese are wrong information and this account needs to be deleted immediately.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWING AN LOAN ON MY XXXX, TRANSUNION AND XXXX  THAT IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX  never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Product: Credit reporting or other personal consumer reports

XXXX ON THIS CHARGE COMPLAINT XXXX I HAVE A FRAUD ALERT ON THERE I ALSO HAVE A CREDIT FREEZE ON THERE ON ALL CREDIT REPORT AGENCY ALL OF THEM XXXX LETTING THIS CREDITOR COMPANY RUN CREDIT CHECK ON MY CREDIT REPORT TO MY UNDERSTANDING WITH ALL XXXX CREDIT REPORT AGENCY THAT WHEN I HAVE FRAUD ALERT ON THERE AND FREEZE THAT THAT FORCE TO BLOCK ANY CREDIT COMPANY NOT FORCE TO GET INFORMATION ON MY CREDIT REPORT ALL THREE CREDIT REPORT AGENCY TOLD ME NOT NECESSARY THAT WOULD BLOCK THEM WHAT'S THE POINT OF ME ADDING THESE ALERTS AND THEY STILL LETTING THEN RUN MY CREDIT ON TO OF THAT THEY STILL WANT FIX MY CREDIT REPORT THEY STILL WILL NOT BLOCK THEM REFUSING TO CONTACT ME TO VERIFY IF IT WAS ME THEY STILL LYING ABOUT BLOCKING MY CREDIT REPORT FROM THESE CREDIT COMPANIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion CLEARLY did not perform a proper investigation of the account XXXX XXXX XXXX ( account # XXXX ) and sent me a copy of my credit report claiming the account was verified as accurate and updated. 

The account balance on Transunion reads {$3400.00}, XXXX reports the balance as {$3400.00}, and XXXX reports the balance as {$3100.00}. 

All of these amounts can not be correct. According to Metro 2 standards all reporting must be 100 % accurate. 

Your company clearly did not do a thorough investigation to make sure the information you were reporting is correct. 

This is my final attempt to rectify this situation. Failure to comply will lead to your willful non-compliance violation of my consumer rights.
Product: Debt collection

Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.
Product: Money transfers

An unkown friend put money into my account. I could not identify the source, the bank took my money. 
The bank does not know where the money came from. 
I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports I discovered some instances of late payments on I always maintain timely payments consumer reporting agencies play a crucial role please in accurately reporting consumer complaints information its imperative that this information be reported with utmost accuracy I have never missed payment on this account. 
Is that from XXXX  XXXX auto loan And XXXXXXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have an installment loan with Navy Federal Credit Union since around XXXX. I got behind on my loan at the end of XXXX and been making on time payments. Navy Federal Credit Union just recently turn my accounts over to a collection agency. I call them repeatedly to find out a solution and they statement a collection agency will be the best solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] In accordance with the above federal regulations and the Fair Credit Reporting Act, I kindly request the deletion of the above late payment. If your office fails to respond to this deletion request within 30 calendar days from the date of your receipt, all references to this late payment must be deleted, and a copy of such deletion request shall be sent to me immediately.Sincerely, Your NameAttach a copy of your ID and a utility bill to serve as address verification.
Product: Vehicle loan or lease

My problem happened on XX/XX/19 at XXXX where my car got repossessed for being 4 days late on my payment. I was cunfused since only being 4 days late I thought I can make a payment on my next payday which was 2 day from that. When I called them on the morning of XX/XX/19 to try and pay to get the car back they asked for 2 more paystub and insurance info. That gave my red flags why do they need more info when I just got this car 1 month ago with paystubs and all the info they needed so I can get the car. Still trying to pay and get the car back the lady refused the payment and told me that she needed to look into how much I got to pay to get it back. So still not letting me pay what was due which was {$270.00} she told me I would have to wait 48 hours more to find out how much I have to pay. Which I thought it was what was owed {$270.00}. She then told me she will call me by noon to let me know how much I have to pay to get it back. I never received a call from them instead I called them at XXXX to get a response on what I have to do to get it back instead I got laughed at and was told she was not going to help me cause she didn't like the questions I was asking. I then ask for my deposit to the car which was {$3000.00} cause I work hard for my money and it seem like they were playing games with me which I got laughed at again. I told her she was very unprofessional on how she was handling this and requested to speak to a supervisor which she told me she was the supervisor. I don't how financial companies can get away with treating people with no respect you are dealing with people 's money and lively hood as of right now I have not heard from them and now I get a busy signal when I call. Side note on my contract stats I have 10 day to make up missed payments before late fees not repo
Product: Debt collection

Heartland ECSI has predatory debt collecting processes. On XX/XX/2019, I enrolled in automatic payments to pay my account of XXXX dollars. The process was cancelled. On XX/XX/2019 I again, enrolled in automatic payments for XXXX dollars because I want to avoid the one time service fee. That also was cancelled. There is no way for these payments to fail on my side because I had given my routing number and my account number of my bank account, and I am fortunate enough to have a career that keeps my bank account full and ironically provide insights on how payment services work in financial industries. Now today XX/XX/2019. I called to complain why this is occurring and I received no explanation to why the payment did not go through. I was told that Heartland received my money, and then gave it back to my account. I asked them to enroll me in automatic payments and the operator that i was speaking to implied that if we the user enroll in their automatic payments it will not work. I asked the man to enroll me in automatic payments that will reflect my future XXXX dollar monthly payments and the man enrolled me in XXXX  future payments. I caved in today, payed the XXXX with the service fee because I do not want ANOTHER LATE FEE. People who are paying their debt to this agency are left with monitoring both workers and their pay system to make sure their money is going through. Further research on XXXX comment section indicates I am not the only one. This is easily a class action lawsuit. I am a XXXX XXXX  that works in PAYMENT SERVICES for XXXX XXXX, an international, billions of dollars net worth company, and this is extremely unacceptable from an agency whose only responsibility is to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Transunion a letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX ) in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( 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 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.