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

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( XXXX ) XXXX
Product: Credit card or prepaid card

Never received my XXXX airline bonus miles from making my first purchase in XX/XX/2021. 3 attempts made to get my bonus miles from Barclays and still no date or solid answer. The only reason I got the card was for the bonus miles and appears they have no intent in honoring the mileage. The company has confirmed I should have received them but never did yet no on can tell me why. Deceptive and misleading advertising in regards to when I would receive the bonus miles up to 3 billing cycles after my first purchase. 10 months later, still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ATTESTATION LETTER UNDER PENALTY OF PERJURY From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To : Zions Debt Holding Date : XXXX Subject : Formal Attestation and Demand for Verified Validation of Debt To Whom It XXXX Concern, I, XXXX XXXX XXXX attest that the following statements and facts are true, accurate, and complete to the best of my personal knowledge, understanding, and belief : FACTUAL ASSERTIONS On or about XX/XX/year>, I issued a lawful Cease and Desist communication to Zions Debt regarding alleged collection activity. This notice revoked consent for any further contact and demanded validation of the alleged debt pursuant to 15 U.S. Code 1692c ( c ) and 1692g ( b ) Including communicating with me indirectly or directly through any forms of mediums including reporting on my consumer report.

Despite this, Zions Debt continued to send collection attempts, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Continued contact after notice is a violation of 15 U.S.C. 1692c ( communication without permission ) and potentially 1692d ( harassment or abuse ).

Zions has not provided full debt validation as required by law, including : A signed contract or agreement with my wet signature ; A full chain of assignment from the original creditor ; A breakdown of how the amount alleged is calculated ; Any evidence of my express written consent to share, store, or sell my private data.

I have no contractual relationship with Zions Debt, have not consented to any data collection or communication, and I dispute any alleged debt.

I was never provided a clear, complete disclosure of terms, in violation of 15 U.S.C. 1692g ( a ) and potentially the Truth in Lending Act ( TILA ) if applicable.

If Zions Debt has sent communications bearing official logos, sent requests for payment through the mail, or used misleading representations without my permission, I request you affirm whether you have complied with 15 U.S.C. 1692e ( false or misleading representation ).

LEGAL DEMAND FOR SWORN REBUTTAL You are hereby required to respond to each factual point above within 10 days from the date of receipt with a sworn, point-for-point rebuttal under penalty of perjury.

Failure to do so shall constitute tacit agreement that all points are true and accurate, and will be interpreted as : Admission that the alleged debt is invalid ; Agreement to cease and desist all further communication ; removal from all consumer reports.

Agreement to remove all reporting of said debt from any consumer reporting agencies ; Agreement to issue a {$5000.00} payment to me for damages due to harassment, unlawful contact, and failure to comply with federal law.

DECLARATION UNDER PENALTY OF PERJURY I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, understanding, and belief. 

Executed on this XXXX of XX/XX/year>. 

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

MIDLAND CREDIT MANAGEMENT claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and your company is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the accountMIDLAND CRED XXXX for inaccuracy, because this account doesnt belong to me, the creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. The date of the last payment reported is inaccurate and missing. I never had an account with MIDLAND CREDIT MANAGEMENT and you are in violation of my rights. I received notice from XXXX that they had deleted this same information. XXXX is inconsistently reporting this inaccurate information I am now requesting that you delete and stop reporting this inaccurate information on my consumer report because you are violating my rights. Delete this account immediately. MIDLAND CREDIT MANAGEMENT has violated my rights numerous times. 

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 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX  shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX Date Filed XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Caller requested name, DOB, address, and SSN # before he would tell me why he was calling. He also asked for my wife 's demographic information. I asked for a callback number to verify him. He refused to provide a callback number. He then called my wife at her work number and attempted the same thing. Luckily her office assistant worked interference.
Product: Student loan

I completed my annual income recertification in XX/XX/2024, as requested. My payment increased from {$130.00} to {$200.00}. Subsequently, the DoE issued guidance that income recertification was not due until XX/XX/2024 at the earliest and that if recalculated payment amount had increased, it would be returned to the lower amount. I have called and emailed to have this issue resolved repeatedly, and my repayment amount remains {$200.00}. I was put into a forbearance and the issue still isn't resolved. I don't know what to do at this point, but this is completely unacceptable and they are ignoring this directive : https : //studentaid.govXXXX
Product: Credit reporting or other personal consumer reports

Information dose not match. XXXX and equifax has not supplied proof of validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get inaccurate items removed from my credit report. Transunion has repeatedly ignored and dismissed my claim. I have finally submitted my actual identity theft report along with the laws that states these things are to be blocked/removed from my credit report I am awaiting a response from Transunion about this matter. I will also submit my proof here so that it is on the record.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX # XXXX Flagstar Bank, Motgage servicing, XXXX XXXX XXXX  XXXX , XXXX, MI, XXXX Customer Service # XXXX Unjustified Late fees, refusal to reverse. 
On XX/XX/year> I sent out the payment for this loan. On XX/XX/year>, a full 10 days later, it was processed by Flagstar Bank. The other mortgage payment that I sent out was processed on the XXXX of XXXX with a different loan Co. When i called to inquire as to why my my payment was not processed, the Customer service Rep understood and asked for permission to remove the late fee. What happened next i can not explain. The supervisor at the the call center who gave her name as " XXXX '' refused to refund my late fee, stating that it does not matter when i sent my payment out, it only matters when they process it, and they were going to process my payment on the XXXX, a full 11 days after it was sent in. This is unacceptable. My payment was clearly not late. my P/N is XXXX the Supervisor was Rude, Talked ove me the entire time i was talking, and had no understanding that the payment was not late. Please feel free to contact me at my Cell number for any clarifactions
Product: Debt collection

I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a XXXX XXXX XXXX of a XXXX XXXX XXXX I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX  XXXX XXXX XXXX  I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX  old to XXXX and a XXXX  years old she knew nothing else as home.
Product: Credit reporting or other personal consumer reports

After i submitted my complaint for investigation they changed the information but didn't remove it and because of the increase they added it has caused my score to decrease because of the increased credit limit whoch i never consented to transunion XXXX or XXXX  to report which they have yet to remove all inquiries to which i never consented too also the consumer reporting agencies are not fiduciarys and can not lend credit or determine my credit worthiness based off my account
Product: Credit reporting or other personal consumer reports

Writing to formally dispute several inaccurate and unverifiable entries on my credit report, which directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and ( e ). This dispute is further amplified by the recent class action lawsuit filed against your company regarding improper credit reporting practices, highlighting the need for immediate and thorough investigation of my credit file within 5 business days as per the FCRA 's mandated timeframe for dispute investigations. Please provide me with written confirmation of the removal of these disputed items and any further steps you will take to ensure the accuracy of my credit report moving forward. Failure to comply with this request will leave me no choice but to pursue further legal action against your company, including potential class action claims based on the recent lawsuit. 
I would like to dispute the following from my credit report and have the items removed based on the following : 15 US Code 16812 ; 15 US Code 1681 ( a ) 4:15US Code 1681 ( b ) 2 ; US Code 1681 ( q ) ; and 18 US Code 1028A. The accounts listed should be removed from my credit report based on 15 U.S. Code 1681 ( b ) as well as any accounts listed under 15 U.S. Code 1602 ( p ) any accounts listed under each of the codes above must be removed within 5 business days from the date of this letter.

Per 15 U.S. Code 1681 ( e ) and 1681 ( i ). The following items are hereby in dispute which needs to be removed no later than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your prompt attention to the above items. The reports to be corrected is the Transunion report, the experian report and the equifax report.
Product: Debt collection

XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.
Product: Payday loan

Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.