23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is a Public Record Information that is inaccurate in its filing. The case is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and by Consumer Rights the credit agencies have to state WHO has " verified '' this negative entry. This derogatory has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$570.00} with XXXX XXXX XXXX Account Number : XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification. This account has been disputed previously, and their responses have claimed it is " verified and accurate. '' However, XXXX XXXX XXXX has failed to provide sufficient documentation or evidence to validate the debt. Without proper verification and documentation, continued reporting of this account violates my rights under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - You are required to investigate disputes and remove information that can not be verified as accurate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - If an item can not be verified within the investigation period, it must be promptly deleted.

15 U.S.C. 1681e ( b ) - You are obligated to report only accurate and complete information.
Product: Debt collection

i have a list on 3 companies that are reporting the same debt on my credit report and its affecting my score. the companies are. Central Finance control, Syndicated office systems and XXXX. they all say I owe to XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/year> Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am contacting you regarding the alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Please provide detailed documentation to verify the debt and your legal authority to collect it. 

Specifically, I am requesting the following : XXXX. The total amount of the debt, including all interest, fees, and other charges. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed explanation of the transaction or agreement that created this debt. 
XXXX. Proof that you or your agency is authorized to collect on this debt, including. 
A copy of the assignment contract or other documentation that shows the debt was transferred to your agency for collection. 
Evidence that this debt is valid and enforceable under applicable laws Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is under dispute until validation is provided. 

Until the debt is fully validated, I request that all collection activities cease, including phone calls, letters, and any other forms of communication. I also ask that all future correspondence be conducted in writing.If you fail to provide the requested validation and documentation, I will consider this matter unresolved and take appropriate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within the legally required time frame. 

Sincerely, XXXX XXXX
Product: Debt collection

I received notice from Southwest Credit Systems to an unknown address for an attempt to collect for XXXX which I currently have an open and active account # XXXX. This debt has been sent to multiple debt collectors and does not belong to me and I actually have a 13 year old account with XXXX and a current customer so this is a fraudulent debt which needs to investigated. I am requesting the company to provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt for this request for validation and proof of claim and they have yet to do so. 1. Name and address of alleged creditor. 2. Name and on file of alleged debtor. 3. Alleged account number. 4. Amount of alleged debt. 5. Date this alleged debt became payable. 6. Date of original charge off or delinquency. 7. Amount paid if debt was purchased. 8. Please attach a copy of any signed agreement with wet signature alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has contractual to pay debt collector. 9. Furnish a copy of original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424 B5 prospectus, RC-S & RC-B call schedules. 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for actions of Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Student loan

In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX : Account XXXX, Account name : XXXX XXXX : Account : XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802, I did not receive the required opt-out notice at the time I created the account that is being reported
Product: Credit reporting or other personal consumer reports

Access to my credit report, unable to view my credit report I have been requesting access seen XX/XX/year>XXXX  it's been over 3 months still do not have access to my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked 2 tickets of round trip flights ( ICT-ORD ) with XXXX XXXX via Chase Travel. ( Chase Travel Itinerary Number : XXXX, XXXX Confirmation Code : XXXX ) On XX/XX/XXXX, Chase XXXX emailed me that XXXX had cancelled my flights and offered to cancel my flights so I can rebook through them again. On XX/XX/XXXX, I requested a refund back to my credit card in full because the merchant ( XXXX XXXX ) was not able to provide the service I paid for ( the original flights ). ( Chase CLAIM ID : XXXX ) On XX/XX/XXXX, I received an email from XXXX Customer Care ( Case ID : XXXX ) saying that both tickets ( Ticket Number : XXXX & XXXX ) have been processed for a full refund ( {$400.00} each ) and should be processed within 7-10 days. On XX/XX/XXXX, Chase credit card rejected my charge dispute and rebilled me in full for {$790.00}. Note that this is after the merchant had already agree to issue a refund back to Chase Travel. As of right now ( XX/XX/XXXX ), more than 2 months later from the original transaction, I paid {$790.00} + XXXX ultimate rewards points, and did not receive the service I paid for, and I have not received any refund in the form of either flight credits or back to my credit card anywhere ( nothing on Chase Travel, XXXX, nor my Credit Card ending in XXXX ). Chase is still refusing to issue me any refunds for this dispute even though XXXX had already approved the refunds.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I filed a complaint with you regarding this Portfolio Recovery Associates. My complaint number was This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The response from this company is false. Which play right into the discestives practices that ensues them. This is NOT A FINANCIAL INSTITUTIONS. THEY ARE A JUNK BUYER. They have refuse to produces and sign documents that I came into any business dealing with them. Once again because of there hiding behind laws and privacy act that does not action pertinent to them the have continue to damage me and my family.
Product: Debt collection

I have attached a Complaint letter. 

This complaint is regarding the credit unions namely XXXX, XXXX  and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX 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 an 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 item 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I recently applied for income based payments with Navient which was required by employer to enroll in forgiveness plan. I have been in this plan for just a few months and was paying what the account said I owed. This morning I received a 2nd deliqunecy notice ( though I never had a 1st, or had any money owed reflected on my account until this morning ), sta. I spoke to a rep this morning, and was told this was an old deliqunecy, but could n't explain why I was just recieving notice of it now, nor could she really explain why this never showed as money owed on my account. She offered forbarence as a way to make my account up to date, which seemed my only option, for understanding where this money owed was from did not seem available. The rep seemed unwilling to get to the bottom of this quandry and found a quick fix to get me off the phone. Up to this point I have not had a problem with my student loans, but this seemed quite troubling to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX IS STILL REPORTING INACCURATELY ON MY CONSUMER REPORT. Despite my multiple attempts to notify Equifax of these inaccuracies, you continue to respond by stating that " the company that reported the information has certified to Equifax that the information is accurate. '' THIS IS A CLEAR FAILURE TO PERFORM YOUR OBLIGATIONS UNDER THE FCRA 611. Equifax 's negligence, willful non-compliance, failure to conduct a reasonable investigation, and continuous reporting of inaccurate information have caused me and my family a great deal of mental distress, anxiety, and severe emotional damage. I insist on immediate action to correct these inaccuracies and demand compliance with FCRA 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation occurs when I went to get my car approval, they pull up my credit record and it shows that my information is being mismatched with the same name person. I contact with Equifax and XXXX XXXX about this problem, I send them my documents whatever they required. I submit my dispute on XX/XX/2023 and its been over a month and still on progress on my dispute. I called them several time their representative told me that my file is still in progress and some of them said its done wait for the confirmation. According to there guidelines the dispute take 5-20 days. I call them and they keep telling me its done you will get the confirmation in next 48 hours, i heard this thing 2-3 times from them but still no any confirmation. My information is still incorrect, I still have someones student loan on my name, my address is wrong, my social insurance number is wrong. My whole credit file is incorrect and they didnt even touch my file yet. Why they keep their customers to wait for this much time, if they cant solve the problem in that particular time why dont they change their guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in XXXX day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according XXXX XXXX Code XXXX XXXX a ) A financial institution XXXX not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Product: Debt collection

In XXXX I made payment arrangements with American Education Services, after the last payment I received a new statement saying the debt was not paid as per our agreement, and I owed more than when I made the arrangements. All of my student loans are on deferment, and have been since XXXX. I just received a new letter attempting to collect this debt, even though I received notification that all of my student loans are suspended until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I dispatched a letter dated XX/XX/XXXX requesting the removal of these items which are unknown to me. Upon discovering the relevant legislation today, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), I learned of the obligation to remove any such items within four business days of the ( date of the previous letter ). I have previously referenced this in my complaint and am reiterating it here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I entered into the Term Rate Modification program at Sallie Mae in XX/XX/2018. This was done over the phone with a loan modification representative. I gave all of my financial information ( current income, personal expenses, checking account balance ), as well as my mother 's information. She is my co-signer and has been helping me make payments until I find a job. We were told by the representative that my monthly payments would be lowered to {$300.00} per month, to be allocated to two loans, # XXXX and # XXXX. This payment plan requires three " good faith '' payments before official enrollment. I was told I would continue to receive notices of delinquency until all three payments were made, and the representative told me to ignore them. These payments were made on time, automatically taken from my mother 's checking account, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In early XX/XX/XXXX, I received a letter of delinquency that threatened negative consequences to mine and my mother 's credit score. I called Sallie Mae right away and was told again that I should disregard all communications from the company about my loans being delinquent. The representative assured me that the delinquency would not be reported to credit agencies as long as all three good faith payments were made. I was called again on XX/XX/XXXX by XXXX XXXX ( XXXX ) at Sallie Mae to inform me that my payment plan was now invalid. After calling back, I was unable to reach this person and spoke to a resolution specialist named XXXX, who assured me Sallie Mae had made a mistake in not validating my payment plan, because every good faith payment was made on time. This person once again assured me this would be fixed, the payment plan would go through, and that my credit would absolutely not be affected. Today ( XX/XX/XXXX ) I checked my credit score and Sallie Mae has reported two instances of serious delinquency in my credit history in the last two months. This has greatly affected my credit score, which is now in the 560 range. 

Going through my online correspondence, the only written record Sallie Mae has provided of me entering into this payment plan was sent to me only days ago, on XX/XX/XXXX. Quite conveniently, this letter states that my credit can be affected during the good faith period. This contradicts everything I have been told, on multiple occasions, by Sallie Mae representatives. I understand from speaking with them on the phone that every call I have made about this is noted in my account file and calls are recorded. I made the huge mistake of believing them when they repeatedly lied to me about reporting to credit agencies, so I did not keep my own records and now have no proof that these communications happened other than what is in my file at Sallie Mae, and the letter I received on XX/XX/XXXX.