23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Subject : URGENT Request for Immediate Removal of Late Payment Entry - Account Number : XXXX Dear Kick Off Lending, I am writing to you with utmost urgency and deep concern regarding the presence of a late payment entry on my credit report associated with my account, Account Number : XXXX. I demand, in no uncertain terms, the immediate removal of this damaging entry within the next 7 days. 

The inclusion of this late payment entry on my credit report is an egregious misrepresentation of my financial responsibility and jeopardizes my ability to obtain credit. I can not stress enough the gravity of this matter, as it directly affects my pursuit of a mortgage and other crucial financial endeavors. 

I want to be unequivocally clear : this late payment entry is not a reflection of my financial character or my commitment to meeting my obligations. It is an isolated incident, an anomaly amidst a history of responsible financial conduct. The impact of this entry on my creditworthiness is unwarranted, unjust, and wholly unacceptable.

I demand that Kick Off Lending immediately conduct a thorough investigation into my account and take swift action to rectify this detrimental situation. It is imperative that you promptly remove this late payment entry from my credit report, restoring the accuracy and integrity of my credit history.

I am well aware of the rights and protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ). Kick Off Lending 's failure to expeditiously address and resolve this matter constitutes a blatant violation of its obligations under the FCRA. I will not tolerate such disregard for my consumer rights and the damaging consequences it has imposed upon me.

I insist that Kick Off Lending provides written confirmation within the next 7 days, unequivocally stating that the late payment entry associated with my account, Account Number : XXXX, has been entirely expunged from my credit report. Anything less than your immediate action to rectify this injustice will leave me with no choice but to pursue all available legal avenues to seek redress and hold Kick Off Lending accountable for its actions.

Furthermore, I implore Kick Off Lending to thoroughly reassess its internal procedures and safeguards to prevent such gross missteps from recurring in the future. Your customers deserve transparent and ethical treatment, along with accurate reporting that upholds their financial well-being and integrity.

I expect and demand the utmost urgency in addressing this matter and an expeditious resolution that fully restores my creditworthiness. Failure to comply within the specified 7-day timeframe will compel me to escalate this matter publicly, share my grievances widely, and seek legal recourse to safeguard my rights and financial future.

I eagerly await your prompt response and the immediate removal of the late payment entry associated with my account, Account Number : XXXX. Time is of the essence, and any delay or indifference on your part will be met with the full extent of legal action and public exposure. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Debt Reporting and Demand for Correction under the FCRA and FDCPA My personal information has been compromised as a result of several Equifax data breaches, dating back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. consumers have been victims of credit reporting agencies data breaching. 

This has resulted in my personal information to be publicly exposed, leading to identity theft, inaccurate information reported to credit reporting agencies and/or used to obtain credit. 

These breach have lead to millions of Consumers suffering mental, emotional and financial damage. 


Furthermore, I am writing to formally dispute the accuracy of an alleged debt that has been reported by XXXX on my consumer report. Specifically, based on this creditor 's reporting, my credit report confirms that this debt has been charged off andor any other related taxable event. 

This failure to issue the required documentation raises significant concerns about the accuracy and validity of your reporting. It also constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Inaccurate Reporting Under the FCRA, you are obligated to ensure that all information reported to consumer reporting agencies is accurate and complete. Reporting an alleged charge-off/write-off without issuing the appropriate IRS Form 1099-C is misleading and inaccurate, violating 15 U.S.C. 1681s-2.

2. False or Misleading Representations Under the FDCPA, false or misleading representations concerning the character, amount, or legal status of a debt are prohibited ( 15 U.S.C. 1692e ). Reporting an alleged debt without proper documentation to substantiate the write-off or forgiveness constitutes a clear violation.

3. Unfair Practices Reporting without proper reconciliation and compliance with legal obligations violates 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect any debt. 

Under the FCRA, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Pursuant to FCRA 605b It is your legal obligation to investigate and either verify the accuracy of the debt or correct/remove the inaccurate reporting within 4 days of receipt of this dispute. Failure to comply may result in additional violations of the FCRA, including but not limited to your responsibilities under 15 U.S.C. 1681i and 15 U.S.C.

1681s-2 ( b ).

Additionally, under both the FCRA and FDCPA, I am entitled to damages for violations of these statutes : Statutory Damages : Up to {$1000.00} per violation under the FCRA and FDCPA. 
Compensatory Damages : For any financial harm or emotional distress caused by your inaccurate and misleading reporting. 
Punitive Damages : For willful noncompliance under the FCRA ( 15 U.S.C. 1681n ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Copy of my credit report ( highlighting the disputed item XXXX. Email From Creditor Denying 1009c Form Request
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Product: Debt collection

Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home
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 to be 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 correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; GA XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022.
Product: Student loan

I have been waiting for months for my Income-Driven Repayment ( IDR ) plan to be processed, and while I wait, I am required to call MOHELA every XXXX months to request a forbearance. 

Today, I was on hold for over XXXX XXXX hours before I had to hang up, never reaching someone who could help. This is not the first time. There is no other way to reach them, no way to request forbearance online, and their call-back option has never worked, though I've tried it multiple times. I'm now considered " delinquent '' because a payment date has passed and I can't get through to Mohela to get another forbearance. 

I have also not been able to find any XXXX accommodations for contact and interaction with Mohela. This is a deliberate failure of service that is preventing me from managing my student loans. 

MOHELA is failing to meet its basic obligations as a federal loan servicer. Their backlog is months behind, but instead of processing applications in a reasonable time frame, they are forcing borrowers to sit on hold for entire days just to prevent unnecessary late payments and penalties. 

I have already filed a complaint with Federal Student Aid, but nothing has changed. MOHELAs systemic delays and inaccessibility are putting me at risk of financial harm.
Product: Credit reporting or other personal consumer reports

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, Transunion, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer file.
Product: Mortgage

XX/XX/2020 To the Committee, Consumers Financial Protection Bureau, This URGENT COMPLAINT involves the REQUEST FOR CANCELLATION/STOPPAGE of a Pending Foreclosure/Auction Sale to be conducted by Select Portfolio Servicing ( SPS ) on XX/XX/2020 through their agent XXXX ( XXXX XXXX XXXX XXXX  ). 

I have spoken with 4 or 5 diferent representatives from SPS and have requested to have this AUCTION SALE be postponed/cancelled as there are so many issues that are involved and many families/parties concerned that are affected. I have even mentioned that because of our current PANDEMIC LOCKDOWN issues, I asked SPS to postpone the Trustee Sale but they ( SPS ) are precisely picking this particular time to really put pressure and take advantage of the fact that we can not even go through our Court System to file/contest this illegal/unlawful Foreclosure Process. 

We have been through our Civil Court System on this property for almost twelve years now. I have given the Courts all the evidences to prove my case and have prevailed each time to stop Foreclosure. On the contrary, SPS have hired 3 different lawfirms to represent them and have lost each time. What SPS does is WAIT a few months to a year and then proceed again with their Foreclosure Process with a different lawfirm. 

The stress, harrassment and damage SPS have done to this family is worth for your Agency to investigate and impose necessary sanction/penalty on the company that SPS, only a Debt Collector, represents for a Trustee ( XXXX XXXX XXXX XXXX XXXX, as Trustee on behalf of the Certificate Holders of XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX ), which has been terminated and does not even exist anymore. 

***SPS XXXX ACCT. # XXXX under XXXX  XXXX XXXX*TRUSTEE SALE NO.XXXX ... .scheduled for XX/XX/2020 ***Title No.XXXX XXXX ***Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We are therefore , asking your agency, the CFPB, to intervene and STOP the Trustee Sale that they have scheduled on XX/XX/2020. At least until such time that we can again duly represent ourselves under the Courts ' Due Process. 

We look forward to a Favorable Action from your Agency to what we deem is a flagrant deceiful way for a Debt Collector to run us down. 
Thank you, XXXX XXXX and XXXX XXXX XXXX for XXXX  XXXX
Product: Debt collection

Hi How are you? How's the COVID-19 going? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to

the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Equifax is reporting inaccurate information with these accounts and not giving out proof of verification. XXXX/XXXX  XXXX   XXXX XXXX I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Equifax is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires no my XXXX credit report, and that someone may have used my information to apply for something according to the fair credit reporting act these items must be deleted! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CBNA - XX/XX/year> CBNA - XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to contact the company first Atlantic auto credit to obtain a release of Lien to obtain a duplicate title. I have called, emailed and visited the address they have online. The address they have is not accurate. The address has been occupied by a new business. I have been trying to contact for over a month.
Product: Credit reporting or other personal consumer reports

I sent them the below letter because I want them to validate my debt.

To Whom It May Concern : I am writing in response to a notice I received regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including any information and documentation that substantiates your claim.

Please provide me with : 1. The name of the original creditor and details of the debt, including when it was incurred.

2. A detailed breakdown of any fees or interest that have been added to the original balance.

3. Copies of all documents showing that I agreed to pay what you claim I owe.

4. Verification of your authority to collect on this debt, including a copy of your license to collect debt in my state, if applicable. 
Please treat this letter as a formal dispute of this alleged debt until you provide proper validation. Per FDCPA guidelines, I request that you cease all collection activities until this information is provided. 
Thank you for your attention to this matter. I look forward to receiving your response. 
Sincerely,
Product: Debt collection

My latest credit report shows several accounts that I did not open. Please address this issue by removing and blocking these incorrect entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into a chargeoff from XXXX XXXX  on my credit report. I contacted merrick band who forwarded me to a collection company XXXX XXXX That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX who stated they had sold the debt and no longer owned it. When I contacted the collection company ( XXXX, XXXX ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Department of EducationXXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXX 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP.

Thank you.