23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed that Midland Credit Management entered account # XXXX on all three credit report. I have never contracted with or borrowed any money from this company. 
I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, i further asked them to remove the item from my credit report and they have ignored all of my request and continue to cause harm and financial damage to me.
Product: Student loan

On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if I continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ 70k- $ 90k. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I feel like I am being sent around in circles.
Product: Credit reporting or other personal consumer reports

After several calls and sending dispute letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any conclusive response. 
I am writing to request the correction and removal of incorrect information on my credit report related to account number [ Account Number XXXX ], [ Account Number XXXX ], and [ Account Number XXXX ]. Below, I detail the discrepancies found in the credit reports issued by the XXXX main credit bureaus : XXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX  accurate on my report. 
TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report. 
TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) These dates do not match and are inaccurate. This incorrect information is negatively affecting my credit score and needs to be corrected immediately and these accounts # XXXX, # XXXX, and # XXXX need to be removed from my credit report. 
I request that the CFPB intervene to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****
Product: Debt collection

I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account. 


ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company. 
As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. 

On XX/XX/XXXX I received your debt validation responses. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX In Care Of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Maryland [ XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear Experian, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done. 
The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within 15 business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to Transunion, XXXX, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Product: Debt collection

I take Cavalry Spv I , LLC to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies XXXX XXXX XXXX debt collectors and that company sold was form XXXX the amount own XXXX
Product: Bank account or service

I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit card

I On XXXX XXXX  XXXX XXXX  received a letter regarding a dispute claim re {$44.00} charged under credit card XXXX XXXX XXXX. Strangely it is addressed to a XXXX XXXX which letter indicated that a followup re resolution of the dispute will be sent by XXXXXXXX XXXX XXXX  does not know a XXXX  XXXX Additionally a letter dated XX/XX/year> was sent to M A re closed credit card ending in XXXX and its replacement by XXXX which new card we never received physically nor do we even know its full account number. All we know that without informing us after credit card XXXX was closed after I disputed a charge on that credit card for {$44.00} Wells Fargo opened this credit card ending in XXXX and transferred herein the disputed amount of {$44.00}. It appears that after Wells Fargo closed XXXX it revived it giving it a new card number ending in XXXX. Further while in dispute Wells Fargo started charging us interest as well as late payment charges for this disputed claim of {$44.00}. Wells Fargo also blocked us for weeks from accessing all our accounts : checking and savings unrelated to this dispute. This is despicable and especially confusing business practice exemplified by a note on its letter as follows. The entire letter will be uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX CARD SER XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX*** Opened XXXX. XXXX, XXXX Balance {$3900.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX, XXXX Balance {$990.00} XXXX XXXX I, XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened Date XX/XX/XXXX Balance {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my XXXX Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY XXXX you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy XXXX would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( EXPERIAN, XXXX, AND XXXX ) and the minors such as XXXX XXXX, XXXX XXXX, XXXX, and the likes. US Bankruptcy XXXX has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy XXXX, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( EXPERIAN, XXXX, AND XXXX ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Product: Credit reporting

IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) I 'm requesting a payment hx from XXXX to verify the DOFD reported on my credit file ... the date of XX/XX/XXXX is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Debt Verification Request Due to Equifax Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX I believe I am a victim of the XXXX XXXXXXXX Equifax XXXX breach, and this debt may have resulted from identity theft or fraudulent activity stemming from that breach.

As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken.

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Debt collection

The situation is as follows : I visited a hospital Emergency Room In the XXXX XXXX, CA area on, or about XX/XX/XXXX for an emergency medical condition in which I arrived by 9-1-1 ambulance. At that time I presented the particular Hospital in question - ( of which this bill is being submitted ) - with proof of my enrollment in the Medi-Cal program- ( Medi-Cal is the name of the Medicaid program in the State of California ). 

This reported debt is for an amount due by balance billing- ( the practice of billing a patient for the balance of monies due that were not covered /paid by insurance coverage ) - ; however, I was a Medicaid patient at that time and the full balance for services rendered -as per Medicaid- was paid to this facility & providers. 

My visit was billed to Medi-Cal/ XXXX XXXX XXXX public health plan. I informed this hospitals billing department of this fact of NUMEROUS occasions ; and, also informed them that under California law the balance billing of Medi-Cal patients is illegal. 

Furthermore, this collection agency continues to report this debt to the credit bureaus as if it is new/recent, when in fact this goes back over 5 years to XXXX. 


I have attempted to resolve this issue through the listed collection agencies, as well as through the dispute process with each one of the three major credit bureaus. The organization listed below continues to report this false/incorrect/erroneous information.

* ( Please note that there are several of these incorrect/fraudulent debts reported on my credit report ( s ) which I will be filling similar complaints about. Please read each one as unique. Thank you, XXXX XXXX ) The account details, as per the collection agency attempting to collect this *erroneous* debt is as follows : Bureau Name XXXX XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 4 Years, 6 Months Credit Limit Not Reported Highest Balance {$4800.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Company is in violation of aforementioned codes by reporting derogatory information on my credit report.