23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account three times with Experian and they have came back and stated the information was accurate. I requested information from the creditor and although I did not receive the proper validation, I did receive a statement that shows a different amount owed other than what's being reported.

I have informed Experian that the information is inaccurate and have violated the FCRA because they have failed to correctly verify and remove the account.

XXXX XXXX XXXX  with original creditor XXXX XXXX XXXX reporting as {$5300.00} when the statement received from them states {$3700.00}. 

I did attach the statement given to me for their viewing.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding my repeated and unsuccessful attempts to have fraudulent items removed from my account other relevant entity. Despite my diligent efforts and numerous communications with your company, the fraudulent items remain unresolved. I have made no less than ten attempts to address this issue. Each time, I have provided all necessary documentation and information as requested, including : Despite these efforts, the fraudulent items remain, and I have not received a satisfactory resolution or explanation. This ongoing issue has caused significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Please help me remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX BANK XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX  XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-XXXX : XXXX  XXXX XX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.
Product: Debt collection

As per 15 U.S. Code 1681s2, 15 U.S.C. 1681b, this company ( CHASE ) JPMCB CARD SERVICES has violated my rights as a consumer the creditor has already filled as a loss/charge off and it isnt disputable debt it is now considered as income according to the IRS is taxable income and I havent yet received my 1099c
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on this account. I wonder why XXXX, Experian and XXXX report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

remove this from my credit report immediately this is identity theft
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX account # XXXX dating back 2 year to the date. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded to you. It has been over a year now and this account is still falsely reporting on my credit. I have a letter from the tradeline stating its removal after a BBB complaint. How is this possible for an account that should not be on my credit report? It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all on numerous occasions. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complaint on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. I am providing documentation again that this should not be on my reports. Your sister tradelines have removed the erroneous account. Transunion is still reporting incorrectly. However, I ask that you correct the error on your part and remove the account entirely.
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of the fraudulent account you have reported under account number XXXX, allegedly associated with XXXX XXXX  and opened on XX/XX/2024. I previously requested validation of this debt, and you have FAILED to provide any documentation proving its legitimacy. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1692g ( b ) ), you are required to cease all collection activities and verify the debt upon request. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be promptly deleted from credit reports. Your failure to comply with these legal requirements leaves me no choice but to DEMAND the immediate and permanent removal of this fraudulent account from all credit reporting agencies. 

This account is fraudulent. I have no knowledge of its origin, and I am NOT LIABLE for this debt. I require confirmation that this account has been completely removed from my credit profile and that you have ceased all collection efforts. 

Should you fail to comply with this demand, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Furthermore, I will consider pursuing legal action to enforce my rights and hold you accountable for any damages caused by this inaccurate reporting. 

This is a serious matter, and I expect your immediate action. Confirm in writing that this account has been removed, or be prepared for further consequences.
Product: Vehicle loan or lease

ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. 
COMPANY AGREED TO REMOVE ALL LATE PAYMENTS AND HAS NOT HELD UP THEIR WORD. I HAVE NOT MADE LATE PAYMENTS IN THE LAST 2 YEARS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Student loan

I 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If XXXX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. XXXX XXXX File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I will be filling out Treasury  Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
XXXX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report XXXX XXXX XXXX XXXX XXXX Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the Securities and Exchange Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX Vice XXXX, Chief XXXX Of XXXX and Chief Operations
Product: Debt collection

This firm attempts to collect parking tickets that are 9-10 years old and refuse to act in accordance with the XXXX statute of limitations, in spite of many repeated conversations and warnings to do so. Specifically case number XXXX, for a parking ticket from XX/XX/2010, they are now attempting to collect {$160.00}. They have been contacted by phone and in writing multiple times to dispute the debt and the timeliness of their efforts, and every few weeks they attempt again.
Product: Checking or savings account

I went to Chase bank that i have banked with perfectly fine for 3+ years iv had my XXXX kids who are adults now even open accounts. i have worked with the same company for 3+ years i recently switched as of XX/XX/2020 to get my paycheck instead of direct deposit my first check as of 2020 i received XX/XX/2020 & i deposited in ATM my check was {$1700.00} first night it let me have {$500.00} & released the rest the next morning so i assumed hey its maybe because i always got direct deposit that the bank is just double checkn things but now my next paycheck comes today about {$1600.00} & i walk in to deposit this time & the teller looks at me in my scrubs and shakes his head and says '' your lucky if i can even give u {$200.00} for this its a " XXXX " check but i personally bank with chase. so i politely told the rude teller who obviously had anger issues with XXXX, so i went over to ATM as i did the previous paycheck but now i have NO access to my money the whole entire paycheck. Is on a 10 day hold i dont have {$1.00} to my name and when i got back into the line the teller jjust threw his hands up and laughed and said i cant do anything and nobody in this bank can do anything to help you & he said dont bother asking for my manager because he wont help you either. i work 80+ hours a week at times XXXX XXXX XXXX XXXX and i litarally didnt know the bank can take my whole paycheck and refuse to give it back or to answer any questions & after my check was deposited i was NO longer allowed to get {$200.00} according to the sarcastic XXXX XXXX hating teller i had. I looked up the different holds the bank can hold my paycheck under & i was supposed to be offered some of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three credit disputes with XXXX for three different debts that are fraudulent, I was XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I was XXXXXXXX XXXX XX/XX/XXXX, XXXX while XXXX  three accounts were opened in my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an account by discover bank, all three of these accounts are fraudulent. I was XXXX  when these accounts where opened. XXXX XXXX was opened on XX/XX/XXXX, XXXX XXXX XXXX was opened on XX/XX/XXXX these two accounts where opened a year before I XXXX XXXX XXXX XXXX, I could not have opened these accounts while in XXXX. I don't have the authority to open accounts while XXXX, Discover credit card, incurred new charged while I XXXX, the charged on Discover credit was not authorized by me, because I was XXXX. I submitted documents showing my XXXX.
Product: Checking or savings account

I opened a Private Client Account with JP Morgan Bank in XXXX, NY XXXX in XX/XX/XXXX it's been a Private Client account until XX/XX/XXXX when I closed the account for denying me the {$2000.00} Bonus for opening the account. I contacted XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX after trying to resolve the issue with JP Morgan Chase Bank in XXXX, NY XXXX branch # XXXX. I have bank account receipts from XX/XX/XXXX thru XX/XX/XXXX describing the type of account ( XXXX XXXX ) I have at Chase.
Product: Student loan

Issue : I 'm about to be sued for a non-existent loan. 
Details : In college, I had all government-sponsored student loans including XXXX. I did not have any private ( non-government-sponsored ) student loans. After completing my studies in XXXX I consolidated with XXXX ( now Navient ) in XXXX, but because I could not make my monthly payments, in XXXX all of my student loan debt was mandatorily consolidated by XXXX XXXX, which has been my servicer of all my student loan debt ever since. 
Despite my XXXX consolidation with XXXX, I have been contacted by Navient, which claims that I owe Navient a XXXX student loan debt of approximately {$4700.00} and say that I am late in making monthly payments to Navient ( which I have never made ). I exchanged several messages, and spoke at length by phone, with a Navient agent, but Navient can not explain what this alleged federal " student loan '' debt is from -- and can not explain why ( if it was actually a legitimate student loan ) it was not included in the XXXX XXXX consolidation that took all of my student loan debt from XXXX and brought it to XXXX XXXX. 
Now, Navient has sent me a letter saying that they have reported my late status to the credit bureaus and is beginning the process of suing me in court to obtain a judgement against me for the alleged student loan debt. So, despite my countless efforts to get an answer from Navient explaining what this alleged debt is from, and ( if hypothetically it was legitimate ), why it was not consolidated along with the rest of my student loan debt with XXXX in XXXX, now I am forced to bring this matter to your attention and to beg your assistance in 1 ) stopping Navient from pursuing me for a debt that appears to be a mistake of some kind, and 2 ) stopping Navient from ruining my status with the credit bureaus, 3 ) stopping Navient from suing me in court. 

I await your help, XXXX XXXX ( ps : Navient has given me an account number : XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX have violated my rights.

15 U.S.C. 1681 section 602.A. States I have the right to privacy.

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Product: Debt collection

On Mon XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX ( a debt collection company XXXX called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation XXXX attached ).