23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 604A, Section 2 also states a consumer reporting agency can not furnish an account without my written consent The agencies listed below has violated my rights : XXXXXXXX XXXX Acct No : XXXX XXXX {$4400.00} XXXX XXXX XXXX  Acct No : XXXX XXXX {$0.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$6200.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$3800.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$790.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Student loan

To whom it may concern, I am in need of some help. I have a XXXX private loan through AES. Both for {$16000.00} and some change. I have been paying on this/these loans for 10 YEARS!! On their website under Payment Summary it shows that I paid {$10000.00} in PRINCIPAL but yet my loans are as follows loan # XXXX {$15000.00} and {$16000.00} for a total of {$1300.00}. That is a far cry form {$10000.00} in principal. Oh, and I have paid {$18000.00} in interest so I not confusing the XXXX. They have sent me to collections on XXXX loan even though I have paid on several occasions. Granted late and skip some over the last few months because of this situation. I do not see how this is fair!! I really think they are scamming me. Please HELP!! I have screen shots of all this as well as photos of the screen on my iPhone. I will also contact a lawyer to see if I can get legal help as well. Thank you for your time.
Product: Debt collection

This started in XXXX. I was notified by EOS CCA about an account opened with in XXXX, saying we had a past due amount of {$84.00}. The last name is wrong and so I called XXXX and was told I was never sent to collections, since the account was opened and closed within a few weeks, with no due balance. They no longer could give me any more information. I contacted all 3 credit bureaus and within 24 hours, the collections debt filed on my accounts were closed. In XXXX, I received another letter, I have enclosed. I contacted Maryland 's Attorney General and was connected to an Examiner XX/XX/XXXX. I can not find the response from EOS CCA, but I have reached out to the original Examiner for more help as well. They admitted they made a mistake and was going to be closing the account. As you can see, we received another noticed and the difference between the previous letters are the prefix account numbers. This is a scam to get money we never owed. Will they continue to harass me each year by simply changing the prefix account? I need help.
Product: Debt collection

The store " XXXX '' has reported me to the credit bureau " Experian '' that I owe them {$1200.00}. I have already sent the information to the credit bureau and I have sent 2 letters to Experian saying that, this account is not mine. We have also gone to the stores of XXXX in person and I have given them my information, my social security number, and my identification. The first ever letter I wrote to Experian was back on XX/XX/2018. The second letter I have sent to Experian was also back on XX/XX/2018. I have also done a dispute against this account multiple times through " Experian.com ''. And they have not removed this account from my credit report. I do not know what else to do to get this account removed from my credit reports. Because I have NEVER opened a credit card with XXXX. Hopefully, you can help me get this account removed.
Product: Vehicle loan or lease

I purchased a XXXX  Hyundai XXXX as my lease expired in XX/XX/2022. I was told the title would be mailed to me, it never arrived. I spoke to someone with Hyundai 's corporate office in XX/XX/2022 and was told the title must have been lost in the mail and a duplicate title would be sent to me ( was also told they would contact me to let me know when that went out in the mail ). 

That duplicate title has never arrived and the woman I spoke to has not responded to nor returned over a dozen calls on this issue. The car currently has no registration and I have already been ticketed once over this issue ( they could have also impounded the vehicle but chose not to ).
Product: Debt collection

They called me initially on XX/XX/XXXX stating that I owe {$500.00} to XXXX XXXXXXXX ( an apartment complex ) and then they sent me a notice by email. When they had called me I asked for an explanation of the charges and they could not tell me what the charges were for and said they would look into it for me and get back to me. I followed up with them XX/XX/XXXX and they said I owed them more than the {$500.00} because they charge interest on debts. I again asked for an explanation of the charges to be sent to me along with an explanation of how the interest was being charged and they said they could not send me a statement with that information - that they would have to request for a statement detailing what the debt was for and how the interest was being calculated. I have filed a complaint with the XXXX  and all I have gotten from the debt collector ( Hunter Warfield ) out of that was them sending me the original statement that doesn't detail an explanation of the charges or how interested is being calculated.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/scrub>, 2024 and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S Dept Of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. I also asked for the original contract to be provided and it was not.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission.

I have not supplied proof under the doctrine of estopple by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act under the electronic fund transfer act EFTA and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Public Record - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a part of the data breach involving XXXX and I want these things removed
Product: Debt collection

11 XXXX XXXX is not mine to the best of my knowledge
Product: Debt collection

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation. 
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These XXXX credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )
Product: Student loan

I am on a graduation repayment plan with Nelnet because, like many other 30-somethings, I have a large amount of student debt. I pay consistently every month, often more than what my amount due is. I am currently stuck in negative amortization and while I am paying over {$200.00} a month for my student loan, I am accruing a interest at such a rate that all of my payments for the last year have only gone towards interest and my principle has still gone up over {$600.00} dollars.
Product: Mortgage

Fein Such & Crane filed Judgement and Complaints for my foreclosure failed to send required RPAPL FORMS after the Referee Sale which there is NO RECORD of it being printed in the newspaper. Alleges that they did not receive my disputes as to the balance of the balance due on the Mortgage. I have copies of the mailings showing that they did at their XXXX Office which is the address that was also on the legal documents. 
Dual Tracking occurred with XXXX XXXX XXXX XXXX and XXXX. Since they can only be considered to Dual track once per servicer it would be 4 times. They claim they were not made aware of any payments, yet they affirm the balance due as of XX/XX/XXXX and that is the same balance that is on the Judgement yet they admit their were modification payments. They claim it was the Servicers responsibility to notify them, and I never requested a payoff from them yet the letter they sent shows the payoff WITH A GOOD THROUGH DATE OF XX/XX/XXXX. Leading me to believe the sale was not held since the payoff is only good until it is sold. Their was no notifications of the sale date or postponements that even the Judge was unaware if the Sale occurred which was evident when he stated it was sold in XX/XX/XXXX and it wasn't then again in XXXX of XXXX Fein Such & Crane along with Judge XXXX ignored the LAW The 20 day, 30 day and 60 day requirements for the Order of Reference filing the Referee appointment the Referee hearing the Referee report were all years past the required date. They claim they only went by what the Servicer gave them and told them yet they AFFIRM TO ITS ACCURACY
Product: Debt or credit management

I recently discovered that my previous landlord had placed an outstanding balance with a collection agency, XXXX, which is now appearing on my credit report. The amount listed is significantly higher than what was previously determined by the court. Despite this discrepancy, I attempted to resolve the matter by offering to pay the balance in good faith. 

However, on multiple occasions when I contacted XXXX, they refused to negotiate the amount or provide me with the option to make a payment through their website. Instead, I was repeatedly instructed to provide my payment information over the phone, which I am not comfortable doing for security reasons.

Additionally, it appears that only one representative, XXXX XXXX, is allowed to handle my account. Unfortunately, he has been unwilling to discuss or reconsider the balance, even after I explained that the amount being reported does not align with the court 's findings. 

I would like to understand what rights I have as a consumer to resolve this debt without having to provide my credit card information over the phone. I am seeking a secure, transparent, and fair method to bring this matter to a close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my credit report from a company called Capio Partners. I have received NO communication from them in regards to these bills. I disputed with XXXX and my dispute was denied because Capio siad it is legit, even though I have never received documents from them. The name of the collection agency does not even show up as Capio, it shows up as a law office. I have had the same phone number for 12 years and I have lived in my home for 4 years. After doing investigating on my own I discovered these two bills were from a facility I visited 2 years ago. The facility was sending the bills to the wrong address and due to THEIR error these two accounts were not placed on our payment plan we've had with them for over a year. We were sent to collections with another company and disputed because we thought we were on a payment plan with XXXX XXXX XXXX believe that company was called Asset Care. And per their supervisor department their rep XXXX did not follow procedure and this account was removed from my credit while an ivestigation was done. We received documentation in XXXX that this was still being investigated. We never heard from Asset Care again. I have never received a document, an email, a phone call or anything from Capio. My wife had an issue with them several years back for doing the exact same thing and filed a complaint. I stay on top of my credit and if I have something due I pay it. But if you don't contact me to tell me I have an outstanding balance what am I supposed to do. After reading several other complaints it seems this is the way this company operates. Why does my credit report say this is in collections with an attorney, but the actual company is Capio? This is unfair and had dropped my credit score by XXXX points!
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately correct the fraudulent reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
My credit card was stolen and used without my consent, resulting in unauthorized charges. I have filed police report number : XXXX with XXXX XXXX police department. Despite my dispute, the bank reported me to your bureau, damaging my credit score.This reporting is a clear violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) Accuracy and completeness of information 15 U.S.C. 1681i ( a ) Dispute investigation and correction.

I demand that you : 1. Immediately remove all fraudulent charges and associated late payments from my credit report.

2. Correct my credit score to reflect the removal of these charges.

3. Provide me with a corrected credit report.

4. Notify the bank to correct their records and cease reporting these fraudulent charges. Failure to comply with this demand will result in further action, including filing a complaint with the Federal Trade Commission, my state Attorney General, and pursuing legal action against your bureau. 
Attachment Enclosed police report and California driver license. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

Number one I was denied a new card after 32 years under the nonsense of credit score, mine is XXXX, their required number according to their guidelines is XXXX, my card was closed by mistake, their mistake. Number two they reported to credit reporting that I closed the account, causing my credit score to decrease, they closed it.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report. As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report. Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If Equifax can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report. Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. Sincerely, XXXX XXXX
Product: Debt collection

I switched phone services on from XXXX XXXX XXXX to XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to cancel my services. 
I received an invoice from XXXX XXXX XXXX for the full monthly total and called XXXX XXXX XXXX on XX/XX/XXXX and spoke with both XXXX and XXXX and someone was to call me back. Nobody called me back to discuss. 
I called again on XX/XX/XXXX and had another conversation for 1 hour and 7 minutes. I first spoke with XXXX at XXXX XXXX XXXX for 29 mixtures until she transferred me to the " combined filing specialist '' XXXX. Ticket # XXXX, Badge # XXXX and XXXX agreed with my assessment that I did not owe the amount indicated but a manager would have to call me back. Nobody called me. 
I know I owe something for the service from XXXX but XXXX XXXX XXXX keeps trying to charge me for the full month. I am not under contract. XXXX XXXX XXXX will also not honor my initial cancellation request on XX/XX/XXXX because they said they have no record. However, I have proof that my service changed, as I have explained to them. I can not control what XXXX XXXX XXXX records when I call them. I am happy to pay what I owe but I am not paying what I do not owe. 
XXXX XXXX XXXX has now told me twice that someone would call me back to discuss and nobody has and instead they turn me over to a collection agency, Credence Resource Management, without trying to resolve or fix their errors.
Product: Debt collection

Its incorrect and fraudulent on their behalf to have on my credit report. Tell them to remove immediately. Plus give me back my points I lost on credit score.
Product: Vehicle loan or lease

In XXXX, XXXX, XXXX and XXXX I repeatedly requested a payoff sheet and a statement from flagship credit acceptance. I have spoke to managers and staff alike and nobody can figure out why I can get the repo threat letter but no statements or any contracts that flagship received from XXXX. I wanted to confirm they had all of my documents and they refuse to produce all the documents they received from XXXX XXXX or even whatever ever documents are in my files. Nobody has been able to help me.