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

My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and Equifax, XXXX, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Product: Mortgage

Our loan was sold to Specialized Loan Servicing from XXXX XXXX without notifying us of cancelling our auto payments or changes in our loan. We received a certified letter stating that we are in default of a loan to this company which we were unaware were our service provider. Out of desperation and fear of losing our home, we went through a trial modification process where we performed fully, and then we were told the rate would be 1 % higher than we were led to believe we would receive. Our credit has been damaged by reportings of default, We appealed for a second review to adjust the rate. We can't refinance due to bad credit, and they won't fix our credit. We are stuck because we cant refinance, and they are sticking us with a higher rate due which is not what we would have had if we were notified of the change. Our luck with SLS has not been good and they are inflexible and completely uncaring for what has happened to us. 

We did everything asked of us as our credit was being destroyed and SLS was not willing to be fair. We have attached the claimed correspondence we received from SLS. We never received notification from XXXX XXXX of the change, and notification form SLS was well into this process after it was too late to simply continue. We always worked hard to do everything in our power to keep our credit good. These 2 firms have destroyed our credit and finances. SLS has also refused to let us know who our loan is now owned by. I have asked many times
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently on XX/XX/XXXX  and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Product: Credit reporting or other personal consumer reports

There are 13 inquiries on my transunion report that I did not file or have knowledge regarding. They all must be removed
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX  XXXX to run my credit in XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XXXX filed eviction XX/XX/2022. I paid the balance owed to the court be. My contract with the management company was voided, the case was dismissed, and no judgment was made. XXXX  days later XXXX email me demanding payment for a debt to XXXX XXXX XXXX XXXX. Ive emailed them several times, with supporting documentation the I do not owe any debt and asked them to remove it from my credit report. They have ignored my responses and illegally reporting inaccurate information on my credit report and theyre charging interest.
Product: Bank account or service

Please forgive me for not remember exact dates. 

Sometime around XXXX XXXX, 2014, someone had gotten my debit card number. They then used this number to order food from XXXX. I was completely oblivious to the fact at the time. Both my income and my fiancee 's income were going into the same bank account, and we both had debit cards on the XXXX account. Meaning lots of charges were made each day ranging from {$3.00} to $ XXXX. I rarely checked the actual statements, just the balance from my mobile app. 

The person first started using this card on XXXX XXXX, 2014. They used it sparingly at first, every couple of days. Seeing around {$20.00} every couple days was not a red flag for me, since we were both using the cards every day. This went on for four months. Sometime around XXXX XXXX, when the person was full blown ordering XXXX a day, sometimes XXXX, I noticed that the amount I could have sworn should have been in my bank account was much much lower. So I investigated. I saw these XXXX charges ( see the XXXX pages of charges attached ) and immediately asked my fiancee. He was not ordering from that website. I called the bank and told them to cancel the card and file a fraud statement, I called XXXX, and I also went down to the police station to file a police report. A few days later I check the account again, more charges from XXXX. The bank had failed to cancel the card like they had stated they did and more charges were made. They finally cancelled the card and the last charge from XXXX was made on XXXX XXXX, 2014. 

So, After much hassle I fill out and mail in the affidavits for the fraudulent charges and wait some months for the funds to be put back into my account. The total amount of fraudulent charges made was {$1500.00} ( see attached sheet of replaced funds ). I start seeing charges being refunded, but not nearly as many as there should be. So I called the bank again and they told me something shocking. They will only replace the charges that were made within 60 days of the FIRST fraudulent charge. Meaning, they refunded {$610.00} and I was out {$920.00}. They would n't even refund the charges made after they were supposed to have " cancelled '' the debit card. How is this fair practice? I called many times after demanding to speak with a supervisor and they all told me the same thing. This is absolutely unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX Notice of Data Breach informing me my personal information has been compromised. The following inquiries Viewed By Others and Viewed Only By You currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, not my inquiries and is the result of the data breach and identity theft : XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 , XXXX, XX/XX/2023, XXXX  XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX , XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a freeze put on my credit report yet somehow a hard enquiry was allowed to be put through by XXXX XXXX and DISCOVER FINANCIAL SERVICES on XX/XX/2023. Before I had a freeze put on my credit an enquiry was made by XXXX on XX/XX/2023 and XXXX  XXXX on XX/XX/2023. All these are a result of fraudulent activity as I have never applied for credit from any of these institutions.
Product: Vehicle loan or lease

The car was pay off though insurance but it still on my credit inccaurate and show as a negative on my credit and it hurting my credit. The car was pay off XXXXXXXX XXXX it still showing on my credit as high bill of XXXX account number ( XXXX ) I have dispute an theres been no response back.
Product: Debt collection

Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of {$860.00}. The collection is reported as past due, I do not know this company and Ive never done business with them. This company does not have a contract with my signature.
Product: Student loan

My paychecks are garnished by Coast Professional ( XXXX ). It has been impossible to obtain any loan information from them. It has made it impossible to even know what my outstanding balances are, to make any additional payments, or negotiate a repayment option. It has been almost three years of my paycheck being garnished with no real correspondence. I would like to know what my balances are and to rectify the garnishment. Since it has been almost 3 years, I am pushing harder for a loan breakdown. 

XX/XX/XXXX- I emailed the agency : Coast Professional asking for loan information. I received an email read receipt on XX/XX/XXXX by ( XXXX XXXX ( XXXX ) and again on XX/XX/XXXX by XXXX XXXX ( XXXX ). No one has contacted me or provided any requested information. 

XX/XX/XXXX- I contacted them on - trying to see about repayment options and received no response. 

XX/XX/XXXX- tried to obtain itemized list of loans, balances, and pay-off amounts. I contacted them quite a few times and tried various govt contacts to try and receive intervention/assistance. 

XX/XX/XXXX- received Wage Garnish form
Product: Student loan

On XX/XX/year>, I submitted a request to move from SAVE to IBR ( attached ). That form disappeared on my studentaid.gov account the next day, XX/XX/year>. 

After waiting a few days for it to reappear ( it did not ), I submitted an identical request on XX/XX/year> ( attached ). That request disappeared the next day, XX/XX/year>. 

On XX/XX/year>, I contacted MOHELA to ask if they had ( 1 ) received the request and ( 2 ) when I would be placed in a processing forbearance such that I could get PSLF credit ( as opposed to the mandatory SAVE forbearance ).

The customer service rep I spoke to indicated that ( 1 ) they had received the request, and ( 2 ) that they would not process my application until the SAVE forbearance ended/that they were prohibited from processing changes in IDR plans until the litigation concluded.

This position is inconsistent with studentaid.gov 's post on the SAVE court actions, which tells borrowers that they can enroll in a different PSLF-eligible repayment plan : https : //studentaid.gov/announcements-events/save-court-actions. It's also inconsistent with the Administration 's recent IFR re-opening PAYE and ICR plans with the purpose of permitting SAVE borrowers to transfer.
Product: Checking or savings account

i am writing to request an investigation of the following information that appers on chexsystems consumers report i have Never opened or use the following account open date XX/XX/2023 fedex employees account XXXX routeing XXXX my cousumer id XXXX please remove from chexsystems i dont recognize the following account in question im a victim of identity theft and i dont recognize this account on my report im requesting the following information be deleted from my chexsystem report immediatey i ve attached copy of the report to this request
Product: Credit reporting or other personal consumer reports

I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} Date Opened : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX a company calling themselves " Central Portfolio '' began reporting an account for XXXX XXXX apparently originating with a XXXX XXXX XXXX in the amount of {$1400.00}. They list an address of this person in Virginia ( XXXX XXXX XXXX XXXX, XXXX, Virginia ).

The problem is, my name is XXXX XXXX. A completely different name, a completely different spelling, in a completely different state of residence, and I would wager a completely different social security number.

I attempted to contact this company at their address of XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, and their telephone of ( XXXX  ) XXXX. I was informed by their phone representative that they have no XXXX XXXX in their system, nor do they have my address. They have repteadly hung up on me, or not returned my voicemails.

As a victim of identity theft, it appears this company did no dude diligence to confirm ownership of this account and instead did a blind addition to the three credit reporting agencies for MY report.

They must immediately take action to remove me from any association with this account, and also immediately file deletions with all three consumer reporting agencies and provide me with proof that they have done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Product: Vehicle loan or lease

Huntington Bank holds the loan on my auto. Unfortunately when you sign up to pay online the system does not allow you to see the history of your payments and when I attempt to make a payment early it denies me that right. It seems the only way around this is to open a Huntington Bank account which is absurd. I should not have to open additional unwanted bank accounts to access my information so that I can properly handle my loan as I see fit.
Product: Debt collection

I continue to receive phone calls and letters from MCM ( Midland Credit Management Inc ) stating that they are acting on the behalf of XXXX XXXX. to collect a debt of {$590.00}. I have a current and active account with XXXX that is up to date. I do not owe this fraudulent debt that is being solicited by MCM. I have stated this verbally and written letters and reported this to the credit bureaus.
Product: Mortgage

I made XXXX payments from my husbands incorrect bank account that were returned in the month of XXXX. On XX/XX/XXXX, and XX/XX/XXXX. I rectified the situation and paid the mortgage on the XXXX of XXXX, so the mortgage was paid on time. This month I went to make my mortgage payment I was told I could not make my mortgage payment online by debit card or bank account. I now have to pay a late fee including an overnight fee to send certified funds to The money Source so that they receive my payment on time. I have never been late on my mortgage and am absolutely dismayed and the lack of customer service and understanding from this company. They are telling me I have to send certified funds for XXXX full months which is outrageous and a huge waste of my time and money. This is a disgusting money grab from this so called servicer. I am not supposed to spend money on shipping for something I should be able to do online or even over the phone with a debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency is attempting to collect on 2 different medical debts that i have no knowledge of and never received written notice prior to them placing invalid and derogatory information on, my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XX/XX/2023 {$910.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  has information on my credit report inaccurate and is negatively impacting my credit report. 

The information is reporting late payments which is incorrect as well as unknown payments as I look at the payment history on the credit report provided by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX and I settled the account with XXXX, they promised after settlement they would delete the information from my credit report and they failed to do so after 13 Months, Im currently unemployed and homeless and the negative information is hurting my chances of getting employment and an apartment. I tried to explain to Experian this was settled and it was supposed to be removed, they claim XXXX has confirmed the credit card. I didnt ask for a confirmation, I requested to be removed since the account was settled and they are going back and forth with me confirming the account. I dont know if they understand the situation. Or if they understand English.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX all refuse to remove old paid account off my credit report. I have disputed this with each company at least 5 times. This account is from the Department of Education that was opened in XXXX. This account was never paid and after more than 15 years the debt was sold to XXXX. I have written letters to each bureau requesting this old debt to be removed but each bureau refuses to do so. This is a direct violation of the Fair Credit Reporting Act. This account reflects a negative mark on my report and no matter what course of action, these three bureaus refuse to remove this account. Once again this account was opened XXXX of XXXX. This account was never paid until forgiven by Biden in XXXX of XXXX. This account is XXXX XXXX XXXX and according to the LAW this must be removed after XXXX or XXXX  years at which this account has exceeded both. Experian, XXXX and XXXX are all in violation of the Fair Credit Reporting Act. Experian is reporting this account has been paid as of XXXX but this account has never been paid. Therefore this is also inaccurate reporting by both the Department of Education and Experian, XXXX and XXXX
Product: Mortgage

My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score.