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

XXXX XXXX legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX   reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XX/XX/XXXX + {$2000.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed inquiries not mines XXXX-XXXX  Inquiry : XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX.

( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Card Cos.

Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX + Finance ( XXXX  ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX  ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below. 

The payment history has been updated for these charged off accounts in recent months. Charge off accounts should not have an active payment history. This falsely manipulates the statute of limitations. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Unauthorized Credit Reporting Ohio FCRA Identity Theft Fraud Laws Reference Dear PLAZA SERVICES LLC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Ohio Fair Credit Reporting Act ( FCRA ) under Sections 1349.191 ( A ) ( 2 ), 1349.192 ( A ) ( 2 ), and 1349.193 ( A ), the Ohio Identity Fraud Laws under Sections 2913.49 and 2913.51, and other relevant statutes. 

It has recently come to my attention that PLAZA SERVICES LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as required by federal and state laws. The FCRA unequivocally mandates that the consent of the consumer is essential for such reporting activities under Section 1349.191 ( A ) ( 2 ).

Furthermore, Ohio state law, specifically Section 1349.191 ( A ) of the Ohio FCRA, underscores the necessity of consumer consent for credit reporting. Additionally, Section 1349.192 ( A ) ( 2 ) of the Ohio FCRA establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Ohio, such as Sections 2913.49 and 2913.51, emphasize the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PLAZA SERVICES LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PLAZA SERVICES LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1349.191 ( A ) ( 2 ) of the Ohio FCRA and other relevant state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the Ohio FCRA, state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PLAZA SERVICES LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

Dear Collector, NELNET LOAN SERVICES INC XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Mortgage

In XXXX, I took out a mortgage with XXXX. They advertised affordable low mortgage monthly payments. However, the monthly payments were high and kept increasing every month to the point that I was not able to keep making payments on my mortgage. In XXXX, XXXX Bank XXXX started a foreclosure processed on my home. I did not know the involvement of XXXX of my loan until I received a summons and complaint. Then my loan was transferred to Bank of America who has denied several loan modification applications. It seems that Bank of America 's priority is to foreclosed on homes and not try to mitigate their delincuent loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that local. I have called the company XXXX XXXX XXXX every single month for the past year to inquire about these errors on my report and they can not supply me with any information. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Vehicle loan or lease

XXXX  KNOWN AS TOYOTA FINANCIAL SERVICES OR LEXUS FINANCIAL SERVICES REPO 'D MY CAR APPROXIMATELY ON XX/XX/XXXX2023 AND SOLD THE VEHICLE ON XX/XX/XXXX24 TO XXXX. PRIOR TO THE SALE OF MY 2024 LEXUS XXXX ( VIN XXXX ), XXXX NEVER SENT ME A " NOTICE OF SALE '' REQUIRED BY FLORIDA LAW FS 537.012 ( 3 ). I HAD NO IDEA WHERE THE CAR WAS BEING SOLD ; WHETHER IT WERE A PRIVATE OR PUBLIC AUCTION. ON XX/XX/XXXX2024 I RECEIVED A LETTER IN THE MAIL STATING THAT THE CAR HAD ALREADY BEEN SOLD AND THE LETTER GAVE ME A BREIF BREAKDOWN OF WHAT I WOULD OWE AFTER THE PROCEEDS AND EVERYTHING WERE DEDUCTED WHICH CAME OUT TO {$20000.00}. AS RESULT XXXX  DIDN'T ABIDE BY FS 537.012 ( 3 ) THEY CAN NOT CHARGE ME A DEFICIENCY BALANCE. ON XX/XX/XXXX2024 I MAILED OUT A CERTIFIED LETTER TO XXXX EXPLAINING THAT THE BALANCE THAT THEY ARE SAYING THAT I OWE IS INVALID. I NEVER GOT A RESPONSE BACK FROM XXXX  VIA MAIL. SINCE THEN THE BALANCE OF WHAT XXXX SAYS I OWE HAS CHANGED TO {$13000.00} WITHOUT ANY PRIOR NOTICES BEING MAILED OUT TO ME. XXXX DID NOT ABIDE BY FLORIDA LAW WHEN IT COMES TO REPOSSESSING A VEHICLE/NOTICES/OR BALANCES AFTER THE FACT. I AM REQUESTING THAT LEXUS FINANCIAL SERVICES/TOYOTA FINANCIAL SERVICES RID OF THE ENTIRE ALLEDGED DEBT THAT I OWE AND TO REMOVE THEIR TRADELINES FROM MY CREDIT REPORTS : XXXX, XXXX, XXXX, XXXX AND WHEREVER ELSE THEY'RE REPORTING THIS INACCURATE DATA. 
I HAVE ATTACHED PROOF FOR YOUR CONSIDERATION AND REVIEW OF THIS MATTER,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over 50 points due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act 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 : 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.

15 U.S.C. 16815-2 ( A ) ( 1 ) 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.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

First, this company ( state Collection ) is reporting multiple amounts on my credit report from the SAME medical office. XXXX XXXX XXXX is the original creditor. I have been paying them XXXX small amounts and filed for financial assistance in XXXX, and again in XXXX. NEVER heard back. The next thing you know, I see that State collection has me reported for the following amounts on my credit reports. - {$970.00} - {$610.00} - {$430.00} - {$200.00} - {$180.00} - {$150.00} - {$110.00} - {$86.00} - {$70.00} What XXXX does is they bill you one large amount on one bill. As you pay it down they apply the money to the MOST RECENT date of service then they charge off each date of service separately to make it more of a hit on your insurance. I applied for financial assistance. I am on XXXX. I am struggling. I do not need this from either State Collections or XXXX. Please investigate this as this is how they operate. I do not agree with these dollar amounts. I ased State Collection for a DETAILED statement when I got a letter from them as I did not agree with it. No response at all. Now it is all over my credit report on 9 different lines! This needs to be removed off of my credit reports and XXXX needs to respond to my financial assistance request. I am attaching a debt validation letter mailed to statewide collections on XXXX/XXXX/XXXX
Product: Debt collection

this is on my credit report and i did not receive any documents regarding i owe PHOENIX FINANCIAL SERVICES ... I called XXXX hospital and they have no records of me owing them any thing ... please provide proof of what is owed,,, or remove from my credit records ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield & Associates Have Two Derogatory Statements That Have Impacted My Credit Report And Stopped Me From Obtaining Credit Cards And Any Thing That Credit Offers My Score Has Dropped XXXX Points And It Has Reiund My Score Wakefield & Associates XXXX Wakefield & Associates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a letter from XXXX  collections in regards to a XXXX XXXX XXXX XXXX policy. I contacted the collection agency and informed them that I was already covered with another Insurance company. Upon me speaking to and agent I was told to submit documents on file. I uploaded those documents and never heard back from the company. I even signed up for emails so I can get notified once they processed the paperwork I submitted online. There have been no letters sent to my home or email address once I made initial contact with XXXX. It was not until the account showed up in collections on my credit report that I knew the information submitted was not sufficient for what they had in collections. I spoke with a super visor name XXXX who said letter were sent to my home, but speaking to XXXX their systems said the letters went out via email. Currently on the phone for XXXX time, still today and she in informing me that it could have been sent to my junk folder and they don't make collection calls about accounts. I said that doesn't make sense when the previous agent stated they couldn't remove the collections account completely, but only update it to " paid in full '' because they made attempts to call me. There is no consistency with anything anyone tells me. I am requesting the remove the collections completely because their system is not sending out the emails or letters. They have no records of contact with me that are not only c correct but that they can validate or confirm. I was not given the fair opportunity the paid this before it hit my credit file, because I never heard back from them as the agent stated. I paid it in full only XXXX of the agents could tell from the notes that the communication noted on my account was inaccurate and that I was completely in the dark about it being owed still.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. 
Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. 
I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. 
As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian, equifax, and trans union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, equifax, and trans union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, equifax, and trans union inaction violates federal law and my rights as a consumer.