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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed
Product: Student loan

MOHELA intercepted my student loans during consolidation for the purpose of PSLF. As of XX/XX/XXXX, they have restarted my loans at a higher interest, disqualified me from my qualifying payments and cancelling each document I submit. I have been in public service for over ten years with student loans dating back to XXXX. I have filed a complaint with DOE and MOHELA with no response. They do not offer options to resubmit information or recalculate their error. It was a scam for MOHELA to obtain all student loans, gain interest, and complicate the process with no way to track or resolve any issues. I have uploaded employer documentation at least three times and the online portal says " not verified ''. When I call, it goes to an automated line where I have to input my DOB. The response is " your information can not be found ''. I don't know what else to do and the deadline for PSLF is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The balance was paid on XX/XX/XXXX, but CBNA Citibank is still reporting an open balance on my report. I disputed the balance, but the status didn't change. I also provided documentation of the balance being paid.
Product: Credit reporting or other personal consumer reports

Cease and Desist Request Regarding Violations of 15 USC 1692c ( c ) : Sezzle Sezzle reported an unauthorized account with a charged-off status and a {$650.00} balance to XXXX. This account was not opened by me and is fraudulent. Despite my disputes, Sezzle has failed to provide evidence validating the account and continues to furnish this inaccurate information to XXXX, where it remains on my credit report. This false reporting is severely damaging to my creditworthiness. 

Additionally, Sezzle has not issued the IRS-required Form 1099-C for the charged-off debt, violating federal tax laws. Moreover, I have experienced unauthorized debt collection attempts associated with this fraudulent account, violating 15 USC 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ). 


I demand an immediate cease and desist of all debt collection attempts regarding this account. Any further collection activities will be considered a direct violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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 reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. 

XXXX XXXX XXXX - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS
Product: Credit reporting

well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX
Product: Debt collection

I called and canceled my XXXX services XX/XX/XXXX. As per their policy they sent me a box to return all of their items in. I fully packed the one large box they sent with each and every item I had ever received of theirs. I then took this box to work and had my daily XXXX driver take it. About one month later I started receiving the harassing phone calls from XXXX claiming I did not return all of their items. I did. Many phone calls, some of which were heated, ensued. They continued to harass me at home and at work until in XX/XX/XXXX I started receiving phone calls from a debt collector regarding this matter. Credence Resource Management LLC is the debt collector. They are attempting to collect {$190.00}. I do not owe XXXX or this debt collector one penny! I returned each and every item.
Product: Credit reporting or other personal consumer reports

The following unauthorized credit inquires have been made to my credit report across the three major credit bureaus as follows. TransUnion is reporting three hard inquires from XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX is reporting two unauthorized hard inquires which are being reported as XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

XXXX is reporting two unauthorized hard inquires which include XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Consumer Loan

MEI Auto Finance, also know as XXXX continually reports my auto loan as delinquent. The payment in question is from XX/XX/2016. They submitted the corrections as of XX/XX/XXXX to all of the bureaus, which was temporarily corrected, but again reported the payment late and have done so for the past two months. I was advised by the agent that they realize my payment was n't late. She said the reason the payment reflects as late is because their website ( XXXX ) applied the payment to a late fee first, shorting my regular payment. I advised her that when I paid, there was no mention on their site of any late fee, or else I would have included it with my payment. I have never made a late payment to them. She said that due to the technical issue, I would need to call them to ensure it is applied correctly. I told her that sounded a bit unorthodox. I later spoke with another agent, who advised me that there is no one there that does credit reporting for them. He said that the prior individual had left the company and that they had a new director. He acknowledged that this was certainly an erroneous marking and that he would see what he could do to resolve it. A couple of days later, we received an email from the bureaus advising us that the erroneous payment had been removed. I monitor my credit report and decided to follow up on why it had recently reported a late payment. I discovered that the late payment was back on my credit report as though it had never left. It reflects on all three bureaus. Not only did all of the bureaus update the correction, but they also restarted this nightmare for me. Please help because neither party seems to be concerned in resolving their technical issues or complying with FCRA, despite knowledge of the inaccuracy and escalations from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

I reached out to the companies listed that the apartment complex sent me because it's on my credit report 3x for the same creditor with different amounts. XXXX XXXX wanted me to pay {$370.00} to have it removed because they said by law the information was inaccurate but wanted to charge me to allegedly have it removes. Then the dates are inaccurate I haven't stated there since I purchased a home in XXXX  and it's showing up from XXXX. The amounts, dates, and times listed are inaccurate.
Product: Credit reporting or other personal consumer reports

Re : Repeated Charge-Off Reports and inaccurate late payment reporting. 
Account : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Opened : XX/XX/XXXX. 
This account is inaccurately being reported with monthly charge-offs, potentially re-aging the debt Illegally and the statute of limitations. This constitutes a clear violation of 15 USC 1681e ( b ), Necessitating its removal immediately. 
You have a charge off in XXXX, XXXX and XX/XX/XXXX and inaccurate late payment reporting in XXXX and XXXX off XXXX. See picture of report enclosed. 
Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. I request that you delete this account now for the two violations on my report for 3 years now.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you Experian credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX Title VI, Sections 611 ( a ) through ( d ), I am invoking my right to a detailed and meaningful investigation of disputed items listed.

In line with these provisions, I request a comprehensive description of the procedure used to verify the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days Following the completion of your investigation. This includes the name, address, and telephone number of everyone contacted regarding this alleged account, along with copies of any documents bearing my signature the purportedly established a legal binding contractual obligation to pay the amount claimed. Please be aware that the automated responses or XXXX - XXXX verifications are unacceptable for addressing this matter. A detailed investigation and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your report. I am maintaining a detailed record of all communication for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office if necessary. Please note that failure to satisfactorily resolve this matter within 30 days of receiving this letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for 1. Defamation. 2.Negligent reporting. 3. Violations of Fair Credit Reporting Act. Dependent upon your response, I may also detail any potential issues with your company via an online public press release, including documentation of any small claims action Cc : CFPB Cc : Attorney Generals office Cc : FTC Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I have disputed with documents numerous times and this is affecting my credit
Product: Student loan

They want XXXX monthly payments. I can afford XXXX a month, they won't accept that.
Product: Debt collection

I am financially struggling. I called and offered to pay XXXX dollars a month towards my debt until I could get back up on my feet. A-1 refused to take my payment and said they would be garnishing my wages. He even said he would sleep just fine at night knowing I would n't be able to eat if he garnished my wages.
Product: Checking or savings account

Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I suddenly notice that there was an error. The report is not 100 % accurate and would like your agency to take an action.
Product: Debt collection

The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.
Product: Mortgage

As a result of the COVID-19 National Pandemic, I couldn't continue paying my mortgage, so I decided to apply for a forbearance plan with my mortgage company, Mr. Cooper. After exhausting the maximum time allowed, I worked with Mr. Cooper to address the situation and obtain a reasonable workout that would enable me to bring my mortgage current and make my mortgage payments more affordable according to my current financial situation. Finally, a few months ago, Mr. Cooper approved me for a set of three trial payments of {$2700.00}. I fulfilled my three approved trial payments. Unfortunately, since then, the servicer has been delaying the final modification documents that allow me to complete the process and begin with my regular payments. 
There had been weeks and weeks waiting for the final paperwork ; in the meantime, I continued making additional trial payments. 
Whenever I call my lender, Mr. Cooper 's representatives don't understand the real reason for this unnecessary delay ; they stated that they don't know why my case is breaking their own servicer rules, but the truth is that until today there is not a resolution. At this point, I am terrified of losing my home in a foreclosure sale due to the current past due balance due to my forbearance, which I can not pay.
Product: Student loan

MOHELA is suing the government thus holding up XXXX XXXX XXXX. MOHELA is claiming they will be hurt by this meanwhile they are hurting me. MOHELA knowingly purchase the debt of millions of Americans. And failed to properly staff and as result all my payments from XX/XX/2022 is not reflecting on my account, they hindering me from mortgage shopping in a competitive market. My employer XXXX XXXX has been making payments on my behalf, thus MOHELA is misusing federal funds. The money has been paid and I have paid taxes on it, yet my account is not up to date. Additionally my PSLF account is also incorrect. I have added multiple times, send emails, and spoke to a customer service rep. The lawsuit and the inaccurate information is impacting my life as wall as my future as I can not shop for mortgages due to my credit score being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency, everything on my credit report has to be 100 % accurate Equifax Stated that my account was properly investigated but how is that possible if the balance they are reporting is inaccurate. I checked with the original creditor to make sure. Equifax is also reporting a past due balance on a repo which goes against the statue of limitations. This is grounds for removal The also violated my rights under 15 USC 1681 section 602 A Stating that I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I asked this company Self/XXXXXXXX XXXX to verify and validate this debt theyre falsely reporting on my credit report and wont provide any information I requested.