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

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX  and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.
Product: Credit card or prepaid card

On Wednesday, XX/XX/2022, I called Capital One in regards to a payment made on my account for my XXXX XXXX. I had made the payment a day earlier so that the funds on my card would be available so that I could make a payment on account that I was trying to avoid issues with, ( I am recovering from XXXX so my accounts have gotten behind. ) The first agent I spoke with, XXXX ( ID : XXXX ) assured me that he could release the funds on my card immediately after going through certain questions. After several minutes he advised he was having issues and needed another agent to assist. I was then transferred to XXXX ( ID : XXXX ) who promised the same thing that she could release the funds we just needed to call my Bank to ensure that the funds were there and the payment would clear. XXXX XXXX  XXXX confirmed the information with both of us on the line that the payment would clear the account and the account is active. After several minutes of putting me on hold, she also claimed to have issues but assured it could be done and blind transferred me to a senior supervisor ( as I was told ) by the name of XXXX ( ID : XXXX ) she abruptly told me it could not be done, there is no way to do so, no explanation except that they were awaiting the funds to clear. I explained to her my situation and and what I was promised and assured by the prior 2 representatives and the financial hardship that I would further endure. She offered no options, she lacked professionalism in the situation and refused to provide me documentation stating what I was advised and that it couldnt be done so that I could at least supply my creditors ( financial situation ) with documentation to see if any exception could be made on pending fees and liens. I asked if there was a manager or any higher ups who I could speak with since she declined what I needed nor provided assistance and she told me she would be the only person I could talk to and no one else could assist. This is unethical and honestly I believe to be illegal for a company to have agents promise, guarantee or assure a customer something can be done and then refuse to do it with out explanation or documentation to support the reasoning.
Product: Credit card or prepaid card

I have been getting charged cash advance fees for purchases made using my credit card. I contacted them and asked them why I am suddenly being charged a $ XXXX montlly fee for cash advances when I have made no cash advances from my credit card. They told me to contact the party i made the purchase from. I don't see how that will help as they are not the one charging me the fee. That party also said to talk to CitiBank about it. No one is stepping up here to correct this, they just want to point the finger at each other.
Product: Student loan

I have tried calling and emailing to ask Mohela questions regarding my PSLF waiver and applying qualifying payments to my account. I can not get ahold of anyone nor have they responded to my emails even though they have been marked as read. Additionally, my approved application reflects 7 years of employment and that I am currently employed, again my qualifying payment count does not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX  XXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

According to Regulation Z ( Thruth in Lending Act ) my rights as a consumer have been violated. Regulation Z indicates that the banking institution in this case Citibank must send a notice of changes in the terms of the account 45 days before this applies to credit cards, revolving accounts, Heloc, etc. This institution reduced 2 credit cards without any notice as stated by Thruth in Lending Act (  TILA ) 45 days before so the client decides to evaluate the change and decide whether to keep the account or cancel it, Citibank carried out an illegal or discriminatory practice. This had an adverse effect on my credit. 

Accounts that did not comply with Regulation Z. 
XXXX XXXX XXXX XXXX From XXXX it was reduced to XXXX, lowering my score since when I did this practice without prior notice 45 days before as stated in the regulatory requirements of a 50 % increase to 99 % of use of the credit, the same happened with the XXXX XXXX XXXX XXXX of {$1500.00} which was the credit limit they lowered it without notice to {$900.00}. I hope I resolved this crass error because I will climb to the last consequences. XX/XX/XXXX THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00}. FOR THE STATEMENT OF XX/XX/XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I believe the account is invalid. Kikoff Lending LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. KIKOFF LEND XXXX
Product: Consumer Loan

they are charging XXXX a day in interest and this was only mention in small print that a lot of people do n't see. They also do n't make it easy for me to pay, so the interests are adding up without any i can do. this is the biggest scam i never see.
Product: Credit reporting, credit repair services, or other personal consumer reports

This conpany is alleging i owe a debt and has unlawfully reported to the credit bureaus that i have an account with them. I do not know this company nor have i ever signed a contract and allowed them to report on my credit. These claims are fraudulent and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Mortgage

XXXX XXXX of Guaranteed Rate discriminated against me because of my XXXX, my income from a XXXX, my income from employment, my race, my ethnicity, my national origin, between the dates of XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report.

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of 4 violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

Kia Motors Finance/Hyundai Capital has an invalid lien on my vehicle. I have never financed through Kia. I have asked repeatedly for a letter of no interest or a lien release, they won't provide anything. They can not produce anything saying they have a security interest in the car that I own.
Product: Debt collection

Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized inquiries on my credit report, which are continuously impacting my creditworthiness. These inquiries were made without my consent or knowledge, and I request their immediate removal from my credit report. 

Upon reviewing my credit report, dated XX/XX/2024, I discovered several unauthorized inquiries listed under the " Inquiry '' section. I did not authorize any individuals or entities to access my credit report for the purposes of initiating credit applications or inquiries. Therefore, the presence of these inquiries is not only unwarranted but also damaging to my credit profile.
Product: Debt collection

I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with XXXX Equifax and XXXX, and they have not responded either, Well, XXXX said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.
Product: Credit reporting or other personal consumer reports

Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXXXXXX XXXX which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the XXXX XXXX XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the Illinois XXXX XXXX by the XXXX XXXX XXXX for the amount of XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

RE : Investigation Results File Number XXXX Date Issued XX/XX/XXXX Investigation Results File Number XXXX Date Issued XX/XX/XXXX I requested my credit file on XX/XX/XXXX, but did not receive it. And on XX/XX/XXXX, I submitted a complaint with the CFPB about XXXX XXXX failure to provide my credit file. I never received the credit file. So, I am requesting again that you send the credit file. 

I also forwarded my dispute letters with XXXX and XXXX to Trans Union. My XXXX dispute letter disputed two XXXX XXXX XXXX accounts, Achieve Personal Loans account, XXXX XXXX account, XXXX account, XXXX account, and XXXX / XXXX account XXXX And my XXXX dispute letter disputed XXXX XXXX XXXX XXXXXXXX accounts, Achieve Personal Loan account, XXXX XXXX account, XXXX account, XXXX account XXXX XXXXXXXX Bank account and XXXX account. 

I received dispute results on XX/XX/XXXX and XX/XX/XXXX. The dispute results addressed the XXXX XXXX account, XXXX account XXXX XXXX XXXX account, XXXX account, XXXX XXXX  account XXXX and XXXX. The dispute results did not address the XXXX XXXX XXXXXXXX accounts and Achieve Personal Loans account. 

XXXX XXXX XXXX. Trans Union deleted this account. I did not dispute this account. And I did not want this account deleted. The account was positive and helped my credit profile. Please reinstate it. 

XXXX. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation. Also, the negative payment history on this account is very old. The Date of First Delinquency needs to be reported. It has been nearly seven years since negative information was reported. Please report the date or just remove the account. 

XXXX XXXX XXXXXXXX XXXX XXXX Trans Union investigated the wrong account. I did not dispute any information in XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I disputed the charged off XXXX XXXX account that has an account number of XXXX. 
XXXXXXXX XXXX This account was deleted. Thank you very much. 

XXXX XXXX. The negative payment history on this account is very old and approaching 7 years. But the Date of First Delinquency is not reported. The negative information needs to be removed, or the Date of First Delinquency must be reported. 

XXXX XXXX XXXX. The negative payment history on this account is very old and approaching 7 years. But the Date of First Delinquency is not reported. The negative information needs to be removed, or the Date of First Delinquency must be reported. 

This matter is urgent. Please make the appropriate corrections to my report. I am trying to get a loan and can not do so with these inaccuracies in my file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX XXXX XXXX incorrectly reported to XXXX And Trans Union that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.