23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Management Solutions are reporting and attempting to collect on a debt that is n't mine. I did n't have anything with XXXX XXXX XXXX XXXX ... I do n't know what it is for or how they are even reporting. I have tried to call both companies & they can not find my info. The debt is past the statute of limitations and its NOT MINE!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent XXXX XXXX  XXXX XXXX XXXX XXXX XXXX a dispute letter about a debt dated XX/XX/2023 in the amount of {$2000.00}. The response was letter was not dated correctly and I did not receive validation. Months later In XXXX I received another debt collection letter from Debt Rocovery Solutions, LLC about the {$2000.00} I had until XX/XX/2023 to dispute debt in writing. I ask Debt Recovery Solutions , LLC to validate the debt. They received my dispute letter on XX/XX/2023. Instead of Debt Rocovery Solutions. LLC sending me validation they reported the debt. According to the letter Debt Recovery Solutions LLC sent they were supposed to stop collection on the disputed amount until they sent me validation
Product: Money transfer, virtual currency, or money service

XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ I hired a company to replace flooring while I was out of town. I have used this company before. They were sending me updates of the materials purchased and installation progress I have the materials, but the flooring installation was not completed. I paid through XXXX XXXX through chase bank as I was not in town to pay them directly. Upon return home the company blocked me and I can not reach them. I disputed the transaction with Chase Bank. I disputed under services not provided. I received a letter from chase saying that I authorized the transactions. I did authorize the transaction under the understanding that work had been completed. But I filed under services not provided. Chase did not properly investigate the dispute to as a loyal customer as they claim they always do.
Product: Student loan

In XXXX, I consolidated my FFEL loans into a direct loan so that they would qualify for the PLSF waiver. After consolidation took place, I submitted an application for PSLF in XX/XX/XXXX. My employment has been certified beginning XX/XX/XXXX. When I got my payment counts back, I was missing all payments prior to XX/XX/XXXX. These payments are not marked ineligible, they just do not appear at all on my record. I contacted Mohela regarding this issue on multiple occasions. At first, I was told that the Department of Education would update my payment count and that I should be patient. I submitted to Mohela evidence of the payments that I received from my FFEL servicer. My payments go back to XXXX. After multiple follow up calls, I was escalated to a supervisor who agreed that a case needed to be opened with the Department of Education to get them to review the missing payments, this was in XX/XX/XXXX. I continued to follow up with Mohela, but they were unable to provide an update. In XX/XX/XXXX, I submitted a request for feedback with the Department of Education. They responded in XX/XX/XXXX that a review would be done. However, there has still been no movement on my account. I will submit my payment history with this complaint, which shows that I have made well over the 120 payments required for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this item on my report since XX/XX/XXXX called " Dept of Treasury '' to the tune of {$37000.00} on my Equifax report. 

I have disputed this item several times, in 48 hours flat every time it comes back as " Verified '' considering it is pure fraud I'd love to know how that is possible, but of course Equifax will not share how it " Verified '' I have demanded to see my signature on this alleged " debt '' no signature was every produced yet it " verified '' In XX/XX/2015 New York State attorney general XXXX XXXX stated " The bureaus often outsource thousands of disputes daily to workers overseas who generally are told to translate the problem into a two- or three-digit code that is fed into a computer ; the code and any documentation are sent to the creditor. If the creditor verifies the information, no further investigation takes place '' This was to change but it appears it is still happening today over 3 years later ... ... 

No one is governing these people no one is enforcing ANY rules up them. 

Force these companies to show a signature or remove it. 

In todays world, the consumers input is less important than the bank or collectors input, said XXXX XXXX, credit expert at XXXX, adding that the credit agencies always take the companies word over consumers. The attorney generals settlement changes that. 

Let 's be honest this is a BUSINESS and the collection agencies PAY for this type of reporting, WE as consumers are not Equifax 's customer, they are!!! This is nothing shy of monopoly on credit reporting fraud. 

I have sent notarized letters to XXXX XXXX - XXXX XXXX XXXX - XXXX customer Care XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX and most importantly XXXX XXXX Both Via email and USPS mail to each and every one of them I have got ZERO response on this issue however in the time since I have had TWO disputes " Verified ''
Product: Mortgage

XX/XX/XXXX XX/XX/XXXX Cardinal Financial processed our close of impound account request. 
XX/XX/XXXX Cardinal Financial issued a refund check for {$1200.00}. 
During our move we misplaced this check. 
On XX/XX/XXXX I found the missing check.
On XX/XX/XXXX I called Cardinal Financial and they requested that I send them the check back to Cardinal Financial and they would send a replacement check. 
Each month starting in XX/XX/XXXX I have called to find out why I have not recieved the replacement check. Every time I get the same answer " I do n't know what happened. I will issue you a new check today. It will be in the mail by tomarrow. The replacement check has yet to arrive.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Account with XXXX XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the reporting of the following account on my credit report, as the information is inaccurate and improperly investigated in violation of the Fair Credit Reporting Act ( FCRA ) : Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Charged off. {$65000.00} written off and {$65000.00} past due as of XX/XX/XXXXXXXX XXXX 
Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX The reported status of this account as charged off is misleading and inaccurate under federal law. Per IRS guidelines, written-off debts are considered income to the creditor and result in the issuance of a 1099-C form. Once a debt has been written off as income by the creditor, it can not continue to be reported as delinquent or charged off on my credit report. 

Additionally, I previously disputed this item with Experian, and it is clear that a proper investigation was not conducted. Under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit bureaus are required to conduct a reasonable investigation for all disputes. As Experian is currently facing legal action for improper dispute handling, I believe my case falls under this lawsuit due to the failure to address my original dispute appropriately. 

I am requesting the following actions : 1.A thorough reinvestigation of this account and its accuracy under the FCRA and CFPB standards.

2.Immediate removal of this account from my credit report if the information can not be verified.

3.Documentation of the investigation process and the results.

To assist with your investigation, I have enclosed copies of the relevant portions of my credit report and supporting documents. 

I expect a written response to my dispute within the 30-day timeframe mandated by the FCRA. If Experian can not verify this information as accurate, the account must be deleted from my credit file immediately. 

Thank you for your attention to this matter. I look forward to your prompt resolution and a written update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Vehicle loan or lease

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus ( Transunion, XXXX, XXXX  ) several times to dispute a 3rd party collection agency ( XXXX XXXX XXXX # XXXX ) all the bureau 's respond back with this account being verified. I requested from all 3 to send me info from the file they have on me from XXXX so that I may match it with the info I have in my hand. All bureaus are not corresponding with my request, there for if this account is unverifiable it must be DELETED!!!
Product: Credit card or prepaid card

On XX/XX/2021, I went on Spirit.com to purchase my airfare reservations. Once I selected my dates and I got to the payment window, Spirit Credit Mastercard offered a promotion of a {$100.00} instant credit to be applied to the reservation of my airfare in exchange for opening a credit card if approved. I was approved for the credit card through Bank of America. I received emails confirming my card and welcoming me stating that my card will be mailed to me along with no other contact information or account number other than " Bank of America ''. I then proceeded to try to pay for my Spirit airfare reservation with my new credit card but the website required me to enter the new credit card account number/expiration/security code. I called Bank of America/Spirit Mastercard customer service and their response was they could only provide me an account number and expiration code, but no security code. Spirit 's website would not allow me to continue the purchase without inserting a security code, thus forfeiting my ability to pay with Spirit Mastercard and losing out on the {$100.00} credit. Bank of America 's customer service rep said I would have to wait for the physical card to arrive in order to purchase the airfare. By the time that would happen, the airfare would also cost me more!
Product: Credit reporting or other personal consumer reports

Hard Credit Pulls on XXXX XXXX and XXXX that were never authorized by me.
Product: Debt collection

This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Mortgage

On XX/XX/XXXX I asked Quicken Loans my lender to remove our PMI. We have more than 50 % equity. 
This is the letter I wrote and below my letter was their response. 


XX/XX/XXXX Qualified Written Request XXXX  ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX*Response from Quicken Loans Below************************** Good Afternoon XXXX And XXXX Thanks for the below email concerning the removal of mortgage insurance. Your loan is not eligible for the early cancellation of mortgage insurance. You have a FHA loan and mortgage insurance will be auto cancelled after it is paid to HUD for 11 years. 

If you have any further questions though, please dont hesitate to reply to this email or call our team at XXXX. 

Thank you for being a Quicken Loans client, and have a marvelous day! 

XXXX XXXX Quicken Loans Client Relations Monday -Friday XXXX - XXXX EST Saturday XXXX - XXXX EST XX/XX/XXXX Qualified Written Request XXXX ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT KNOW OF THIS COMPANY AND MADE NO CONTRACT WITH THEM. I DO NOT OWE THEM ANY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

Discover is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with Discover on XX/XX/2020 around XXXX I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that Discover had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

Discover is using predatory tactics, and illegal tactics.
Product: Credit card

On XX/XX/2024, I signed up for a new crdit card with Chase bank. The promotional offer that I signed up for was XXXX XXXX XXXX miles after spending {$3000.00} in the first 90 days. I met this threshold but only received XXXX miles from Chase. I contacted Chase to recitfy this and sent them screenshots showing that I signed up for a XXXX mile offer, but they said they didn't have a record of that and refused to credit me the miles I am owed under the original offer.