23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found an outstanding balance of {$1100.00} ( dated XX/XX/XXXX ) on my credit report from National Credit Adjusters ( NCA ). Their website is https : //ncaks.com/ Exhibit A. 

XX/XX/XXXX I wrote NCA a letter asking for specific information. Exhibit B 2 Pages. 

XX/XX/XXXX They replied with a copy of the contract from XXXX XXXX XXXX XXXX XXXX. The contract has no date, no amounts, no repayment schedule, etc. In short, the contract is completely blank except for a signature. Exhibit C - 8 pages. 

XX/XX/XXXX I then responded to them, stating they eliminated most of the information I previously requested. Exhibit D 1 page XX/XX/XXXX XXXX sent me some of the information but not enough for me to make an informed decision. XXXX also sent another contract ( different from the first ). How can they do that? Exhibit E 7 pages. 

It looks like my signature but without the rest of the information, I cant determine what Im responsible for paying.
Product: Student loan

Sent in paperwork from Department of Education dated XX/XX/year> requesting the status of my student loan discharge. Nothing was heard from MOHELA. MOHELA does not communicate with their customers and puts them on long hold times when they call in. Why is this debt still being reported on my accounts and to credit agencies?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts to Be Removed XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Duplicate Accounts ) : XXXX XXXX XXXX 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

I paid off and closed account with XXXX XX/XX/XXXX. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )
Product: Checking or savings account

I was held at XXXXXXXX XXXX and my wallet and XXXX was late XX/XX/2023 early XX/XX/2023 and I called capital one to shut my debit card off and they never did. Over XXXX dollars was debited out of my account. Ive opened multiple claims with capital one and they keep denying me. No one is willing to help. I filed a police report and FTC report and a FDIC report as well
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, COMENITY BANK/VCTRSSEC # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that my personal information be updated with Experian, XXXX, and XXXX. As of this date no changes have been made to my personal information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} XXXX XXXX Account number : XXXX Balance : {$1600.00} XXXX XXXX  Account number : XXXX Balance : {$5600.00} XXXX  XXXX Account number : XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I provided a letter requesting removal of inaccuracies and they have not updated or corrected my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off listed on my credit report for account # XXXX. I recently reviewed my credit report and noticed this entry, which I believe is inaccurate. I request that you provide verification of the charge-off, including a detailed payment history and the original signed agreement. 

I demand that you send me the 1099 C for this account since they are reporting it as a total loss and it is illegal to report this when you have already declared it to the IRS as a total loss. 

If the information can not be verified, I request that this charge-off be removed from my credit file per the Fair Credit Reporting Act ( FCRA ). Please respond in writing within 30 days of receiving this letter. 
I Thank you for your time and attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act XXXX, Equifax and XXXX, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

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

, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency 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 the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : FCRA Violation - Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above.

I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability.

Thank you for your time and consideration. 

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

The account was settled and the settlement amount was paid in full. I sent the information to XXXX and they have failed to properly verify the information and report it correctly on my credit report. The balance is {$0.00} but they are still reporting a negative balance and stating it was charged off.
Product: Credit reporting or other personal consumer reports

The Following inquiries were due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is an amended filing this account due to me accidentally putting the wrong information in my prior complaint against this company for these violations. I gave the wrong name for the debt collector. I am correcting the info here concerning a collection type of account. It was opened on XX/XX/XXXX. The name of the account was XXXX XXXXXXXX XXXX 
1. Equifax Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. Equifax Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. Equifax Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974.

4. Equifax Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. Equifax Failed to acknowledge the Exclusion section of 15 USC 1681 a 2
which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), Equifax should have blocked this information from my credit report within four days. Please see Attached " Description of Incident ''
Product: Debt collection

About 6 months ago, this SST systems and services technology took over SST credit card services and contacted me to make payment agreement to pay balance off. We agreed no interest of any kind as long as I paid XXXX monthly for 2 years. I have been making XXXX payment monthly for past 6 months and I just noticed on my current statement they have been charging me a interest fee which was not part of agreement. Also on current statement it shows last months balance at XXXX with payment made XXXX and interest of XXXX then shows new balance as XXXX. However if you do the math XXXX minus XXXX minus XXXX equals XXXX therefore XXXX is missing. They have been doing this on past statements as well. XXXX XXXX XXXX months is XXXX that has vanished in thin air, that should be reflected in my new balance. When I called to question this missing money I was told that no interest agreement was with another company ( which it wasn't ) and the interest amount was much higher on their computer than what the statement they mail me is. Very disturbing by the poor business practices of this company. Also no statements or mailing from SST contain a website address or a phone number listed, I had to request the help of my son to track down a contact number online in order to speak to someone. This raises a red flag that this company is using unscrupulous tactics to maneuver and take advantage of XXXX like myself.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ~ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. ~5536 ( A ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested by mail a report and score by enclosing a check for {$9.00}. This check was cashed by Trans Union. On XX/XX/2019 I was sent my report with NO SCORE. I called Trans Union on XX/XX/2019 at XXXX and was hung up on three separate times by different representatives while on hold. Each time I called back a different representative took the information over again but could not get me a score I paid for. I felt that I was deliberately getting the run around. 
After all the frustration, I am sending in this complaint. This problem should not happen. Agencies that compiled my data should be accountable for answering my requests for information without me having to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter and that didn't happen I haven't even received an email informing me that my consumer dispute letter was disregarded which led to my consumer rights being violated
Product: Credit reporting or other personal consumer reports

A primary account holder added my name and information to a discover credit card with my consent or knowledge at the end of XXXX. They then used that discover card to rent a car using all my personal information, again without my consent or knowledge. There is a charge of approximately {$1300.00} initially for the car rental. I have contacted discovered who removed my name and personal information from the account and provide me with the letter stating that this action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they  have not attempted to do.