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

This is in response to complaint XXXX. Equifax stated that the company verified but the account but failed to send any proof of documentation. I already informed Equifax that I was involved in a data breach in which they did not care and still proceeded to falsely claim that this account was verified. I submitted another claim a month later with new information regarding the account. The complaint id is XXXX I informed Equifax of new incorrect data such as different collection agencies names and no contact information when I look up the collection agency that is being furnished on my credit report. There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for 3 months. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint. If this account is not removed within 15 days, I will be proceeding with suing your company for defamation of character, violation of the FCRA, and emotional distress. I will provide my ftc report, my Equifax data breach claim, and my dispute letter to the collection agency.
Product: Credit reporting or other personal consumer reports

I have evidence that this particular company is reporting inaccurate information on my reports without my permission. I understand the the FCRA requires companies to obtain my permission before reporting anything on my report and that has not taken place. Furthermore, my privacy rights are being violated as well. This has to stop and companies must be held accountable.
Product: Debt collection

I have received correspondence by FOX COLLECTION CENTER. Upon review of the alleged debt, I have noticed that the information provided by the collection agency is considered private medical records. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). FOX COLLECTION CENTER took up to 30 days. FOX provided a medical statement but did not disclose failed to further validate the debt as requested of them. You are required to provide significant information per 15 USC 1692g and 12 CFR 1006.34C Regulation F regarding the alleged debt. Insurance, chain of assignment, and the purchase agreement regarding this alleged debt has not been disclosed as requested initially. FOX COLLECTION CENTER is in violation of 18 USC 371 and 18 USC 1001. Further proof is needed.
Product: Debt collection

I filed disputes with all three credit bureaus and not one received a response from the creditor nor the creditor mark the account as disputed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT
Product: Debt collection

I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXXXXXX XXXX Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that Equifax investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34. 
Additionally, I request that XXXX provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt. 
Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If XXXX is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.
Product: Payday loan, title loan, or personal loan

I applied for and received a Line of Credit over the internet from CashnetUSA.com. I was granted XXXX but only asked for XXXX. The money was deposited in my account the next day. I called the company and inquired as to how much my payments would be and was told they had no way of telling me until the XX/XX/XXXX or XX/XX/XXXX of the month. The day after that call, I accessed my account on line and was flabbergasted to learn that my first debited payment would be {$200.00}. This amount would put me in horrible hardship. As it was late in the month and I had spent the money, I allowed the payment. 
I accessed my account mid XX/XX/XXXX and to my surprise, they were going to debit my bank account for {$290.00} on XX/XX/XXXX. I then wrote a letter to Senator XXXX as she is a strong opponent of PayDay Lending, and called Cashnet. The Customer Service Manager that I spoke to rudely informed me that " people should educate themselves on the terms, and maybe he wouldn't get calls such as mine, and by the way, I would be paying 3x the amount borrowed ''. He also informed me that he could break the payments into three payments over three months, but I would still owe whatever the payment for that month would be. ( adding more money ) or he could stop the debit and send the account to collections. Otherwise there was no other option. I tried to explain the hardship such an exorbant amount would put on me as I am a senior citizen on a fixed income, to no avail. Today, I still don't know how much they plan to extract from my account next month. I understand paying back the money, but this is a terrible hardship. {$290.00} on a {$800.00} loan?
Product: Checking or savings account

I went to try and open a account at seacoast bank and they said that they couldnt not it and I had this same problem the last time and I need to get off your list it not right to put me on this list
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I tried to see my credit report on XXXX and Equifax wouldn't let me see my free report. And also, on my XXXX app my credit score or credit report hasn't been updated since XX/XX/2022 for neither XXXX nor Equifax.
Product: Checking or savings account

I am trying to transfer money to my wife Citibank account. I am explaining to the rep something is wrong with the website and app. I explained to them I can not clear the browser on a Federal Government computer. I am asking for the routing number rep is refusing to provide me with the bank routing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # 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. Also states a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account on my EQUIFAX report is not mine. I have contacted EQUIFAX and have not received info that this is mine but it has not been removed. I have not done business with XXXX. They did not have my correct address or phone number. 
XXXX/XXXX. Ac # XXXX date opened XX/XX/2016. Highest balance {$420.00} XXXX XXXX XXXX XXXX. XXXX, mn XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/23 In accordance with the fair credit reporting act, XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a garnishment from XXXX, inc which started on my paycheck XXXX on an account that is over seven years old and off my credit report. The debt was from XXXX XXXX XXXX. XXXX gave me a number to call on a debt collection agency Lloyd McDaniel number XXXX. I leave messages but no one returns my calls. I tried to file a complaint with XXXX but they were unable to help as the XXXX XXXX XXXXXXXX account was no longer on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax due to the negligent management of my credit report, which contains incorrect names and addresses associated with my credit profile. These inaccuracies, resulting from a lack of proper control and verification, constitute a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604. 
Upon reviewing my recent credit report, I discovered that Equifax listed information not associated with me, including incorrect names and addresses. This improper association of personal information has negatively impacted my credit profile and demonstrates that Equifax is failing to verify the accuracy of the information it maintains, as required by the FCRA.

Specific Issues of Concern Negligent Association of Incorrect Data : Equifaxs records contain names and addresses unrelated to me, likely due to inadequate control and verification processes. This practice misleads lenders and harms consumers by falsely linking unrelated accounts and information. 
Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : As a consumer, I have the right to demand accuracy in my credit file. Equifaxs failure to ensure that only verified and accurate information is reported infringes upon my legal rights under Section 609 of the FCRA.

Non-Compliance with FCRA Section 605 : Equifax has also failed to provide evidence supporting the retention of employer information in my credit file, which I did not authorize and have no obligation to report.

Negligent Reporting of Unnecessary Data ( FCRA Section 604 ) : Equifax continues to retain unnecessary information, such as incorrect phone numbers and personal details, without legitimate cause. These actions result in the retention of irrelevant information and fail to comply with the law.

I request that the CFPB investigate these issues promptly to ensure that Equifax : Removes all incorrect names, addresses, and any other data not directly verified as belonging to me.

Implements measures to prevent these errors from recurring in the future.

Verifies and maintains only accurate, legally authorized information in my credit file, as stipulated under FCRA regulations.

Thank you for your attention to this matter. I look forward to your swift action in enforcing compliance with FCRA guidelines and protecting my rights as a consumer. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX along with Experian are in violation of Fair Credit Reporting Act 168 1b ( c ) for reporting 2 inquiries on my credit report. 
These dates are XX/XX/2023 and XX/XX/2023. I am demanding that both of these inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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
Product: Debt collection

On XX/XX/2018 I mailed a letter of validation to XXXX XXXX. The letter was sent via US Postal service certified mail which was received by Midland on XX/XX/2018. XXXX XXXX has NOT validated the said debt as of today. The only letters I am receiving from Midland are the ones attached to this complaint. I would like these items immediately removed from all three credit bureaus as it is damaging my credit. By law of the Fair Credit Reporting Act, they must be removed due to the 30 day notice that was sent to Midland and the company could not validate.
Product: Credit card

I have always paid this account on schedule, ensuring no delays. I'm puzzled by the late payment remarks on my accounts. Under 15 USC 1666b, billing errors need to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX
Product: Debt collection

XX/XX/2019, received notification that a negative account was placed on credit report. 
I never heard of this company. Never signed a contract with this company.
Product: Debt collection

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Vendor has refused on multiple occasions to accept my legal and lawful tender method even with directions to tender payment. 
Vendor also has my name attached to an account not known to me and as of to date unknown if they have fixed it. 
Vendor has also caused harm and damages to me by lowering my credit amount without first notifying me, causing adverse actions as I have not been able to receive the credit back I extended. 
Vendor has violated multiple sections of 15USC1602-1692 As well as multiple UCC codes for which each company doing commerce is held to. 
Vendor has also discriminated against me in an adverse action.
Product: Vehicle loan or lease

XXXX XXXX XXXX approximately I called them because I hate being done wrong although I make payments faithfully and was able to catch up on payments regardless of being off work due to XXXX XXXX XXXX which impacted my job. XXXX XXXX XXXX XXXX XXXX XXXX. 
I told the representative that maybe they should be audited and that Im reporting them. I didnt even complain when my payments increased from XXXX to XXXX. I was hoping to pay extra to impact the finance charges but they increased the bill. This is a refinance situation and I dont want to be ripped off. They also saved me nothing on the refinance and just did things I couldve done before refinancing. They ended the extra insurance ect I had on the car to reduce the payment. My credit isnt bad. Unfortunately I am a widow and can get taken advantage of for being a woman and having a basic need such as a car. 

If theyre doing it me theyre doing it to others The representative sat quiet. I contacted you. I dont trust XXXX and 1/2 the time I cant even understand the representative due to language barrier.
Product: Student loan

I filed a complaint that Mohela only XXXX XXXX of my student loans. They responded that because the other loans were under consolidation process they did not do those. All of my loans should have been XXXX under settlement. Mohela has instruction to discharge these loans and has until XX/XX/year>.
Product: Debt collection

I have sent numerous certified letters t o Portfolio Recovery Associates LLC t o   XXXX   XXXX     XXXX   XXXX , VS  XXXX  requesting verification of debt. I request my contractual agreement bearing my signature. Letters was sent on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  and another certified letter on  XXXX / XXXX / 2017 . I have been a victim of fraud before this is why I have request my contractual agreement from this company to verify this debt belong to me. They refuse to send this agreement bearing my signature.