23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern I have not given written consent to furnish the multiple fraudulent debt to my report according 15 usc 1581 bXXXX I have not given explicit written consent to furnish a debt collection from resurgent that I have no knowledge of and a medical debt FROM XXXX XXXX which is a violation of HIPAA, this is a notice of arbitration. This is my final request on equitable subrogation, with a third party as witness a charge off under XXXX XXXX MEANS the account is discharged which is XXXX $ and how can a closed charge off still be open that is fraud. 18 usc 35 According to law willingly furnishing false information is fraud! Date of delinquency and date of account can not be interchanged, if you are a dollar off of the correct amount that is misinformation.15 usc 1679 ( c ) The law requires companies to delete disputed unverified debt, I have not received any documentation on HOW they validated these debts. I am requesting a full itemized list the true bill and the original contract so that I can understand the charges and how they came to this point, just because a company has my name and information does not mean the information to be valid! I need tangible evidence other than them saying " we have contacted the company and verified the information ''. I have not been provided any documentation to validate any of these fraudulent debts the original contract, a written form of consent of me given permission to purchase my debt and my private information like my name which is under common law copyright, my birthdate and my ssn, violating the privacy act. You can not purchase my name social and birthdate that is the only way they would be able to validate the debt which is fraud! I want every company held responsible that has violated my rights. I have tried to handle this through disputes but I am left no choice. I will be sending a bill of particulars for each infraction to Equifax and XXXX  credit report looks nothing like my XXXX! ALL CREDIT REPORTS SHOULD REFLECT THE OTHER, another infraction regardless what your terms of service may say it is law that my credit reports reflect the same information which means you have furnished false information deliberately after disputing the information and not providing any proof of claim but to continuously furnish a disputed claim. 15 usc 1681 ( i ) IT IS THE LAW YOU CAN NOT UPDATE FALSE INFORMATION! ANOTHER VIOLATION. I AM NOT ASKING TO UPDATE ANY INFORMATION IM ASKING YOU TO FOLLOW THE LAW AND REMOVE THE FALSE AND DEROGATORY REMARK! THIS IS SUBROGATION I AM REQUESTING ALL FALSE INFORMATION I HAVE DISPUTED IN THE PAST 3-4 MONTHS BE REINVESTIGATED AND REMOVED EXPEDITIOUSLY, I WILL BE FORCED TO MOVE FORWARD WITH Arbitration / MEDIATION AND LISTING EVERY VIOLATION YOU HAVE Accumulated, FURNISHING A CONSUMERS DEBT WITHOUT PROPERLY VALIDATING THE INFORMATION VIOLATION OF fcra, FDCPA, GRAM LEECH BLILEY ACT, privacy act, CPA, DOCTRINE OF SILENCE, AND HIPAA. I NEED A COPY OF MY up to date CREDIT REPORT AND A COPY OF ANY RELEVANT INFORMATION THAT WAS PROCURED TO verify/VALIDATE ANY false INFORMATION DURING these DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX to remove these items XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX   Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XXXX XXXX XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XXXX XXXX XXXX  Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX XXXX Ive already included this in my previous Complaint XXXX XXXX  & I am including it again.,
Product: Debt collection

Date XX/XX/2024 Aldous and associates XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Validation of Account Account # XXXX To whom it may concern, I neither affirm nor deny this purported debt, You claim I owe your company {$110.00}. This letter is being sent to you in cadence to an entry made on my Credit Report XXXX.Please be advised that this was not a refusal to pay but a notice debt, Sent Under the Fair Debt Collection Practices Act, 1 : USC 1692g sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there are some binding contractual obligation pay this debt. This is not a request for " verification '' via XXXX or proof of my mailing address, but a request for VAliDATION made pursuant to the Above named Title and section of the Fair Debt Collection Practices ACT.

Reporting inaccurate and unsubstantiated information to - a credit report agency may constitute fraud under federal Law. compliance with this request is required under the laws of state and federal statutes debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original credit.

3. Please Provide me documentation that indicates That I agreed to pay someone this sum of money, 4. What was the original date of delinquency for this account?

5. The agreement grants you the authority to collect on this alleged debt, or prost of acquisition by assignment.

6. What did you pay for this account and how did you calculate the \ncurrent amount owed?

Please provide certified mail receipt with my signature properly notifying me of debt and provide proof that you are registered in the NMLS to collected on alleged debt. I require compliance with of this letter within 30 days or complete removal from the credit profile, in writing, of your claim. In the event of non-compliance, I reserve the right to file changes and complaints with FTC, and civil action against your company to recover damages. In Addition, the Fair Credit Reporting Act states that While this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/ cease from reporting this information to the Credit Reporting Agency until full validation has been completed I have sent a copy of the request for validation to the national Credit Reporting Agencies to begin their 30-day investigational process with your investigation. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported incorrect information on my credit report. Reported it as surrendered and late payment. This is not True. I call them and they said they did not do it but Experian said they had too. 

I have documents showing that I have never miss a payment and that the loan is still open
Product: Student loan

I went to XXXX XXXX XXXX XXXX and took out a Federal loan thinking this was the best for my education. Like all schools, I had an admission rep and he gave a great sales pitch and told me how wonderful the school is and how I would be GUARANTEED a job after graduating. The admissions rep was sure to talk up how it was a strong name in the industry, world renowned, had some of the best award winning faculty, and that they didnt have open enrollment in the past and they made us present a portfolio of images and write a short page-long essay as to why I should be accepted into the Institute, something I thought as very cool but also extremely intimidating. Later I realized I had never heard of anyone being denied who applied to the school. Seemed like everyone who applied to XXXX got in... isnt that open enrollment? We were also told several times that XXXX had a 90 % graduation rate, and graduates got help with job placement before they were even done with school to ensure the 100 % job placement.. He told me that most graduates were already working jobs they had been placed in prior to graduation, and on average are making {$100000.00} per year or so after school ( the median income of the photography field is {$24000.00} a year ) ... this was in XXXX. I was really into XXXX XXXX at the time and thought that maybe was a direction I wanted to head. He told me that XXXX would propel me into the career of my dreams. We were told that a number of XXXX graduates were working for XXXX XXXX, and that frequently XXXX XXXX and other highly accredited publications would come in and pick and choose people to hire from graduating classes.The admissions rep made it seem like XXXX really had it together and really helped its students obtain jobs and figure their lives out, and for me, thats really what I needed to hear. 
I worked the plan. I went to XXXX, I graduated but in XXXX when that happened I did not have a job in photography as promised, I however had debt and was surrounded by thousands of people who never went to school and now claim to be a photographer with a newly introduced " digital camera '' .I couldn't get a job as a photographer because now any regular XXXX can be a photographer and charge {$20.00} - I wasn't told to do this, we were taught how to invoice and invoice at a proper price limit. XXXX, I have to pay my student loans.Fast forward to XXXX and XXXX XXXX XXXX XXXX Closes and I still have student debt for a now closed school.Fast forward to Sweets vs XXXX where I am a Full class member " Although the final implementation deadline for the Sweet v. XXXX settlement has now passed, many borrowers have not received student loan forgiveness and other relief that they are entitled to under the court-approved agreement. The XXXX Department has materially breached Paragraph IV. '' Something needs to be done about this. 
How is it that a XXXX has forced the hand to have my loans forgiven and still nothing is happening. Are we not rich enough, large enough for it to matter. 
XXXX XXXX XXXX Please help.
Product: Checking or savings account

I opened an TCF fee free checking account over the phone on XX/XX/XXXX. I gave the representative the promo code XXXX and was told it would be deposited to my account after I met the necessary requirements. According to the terms and conditions it stated we will deposit {$250.00} into your account next business day following criteria verification. I still have not received the bonus after meeting the criteria of using my debit card for a {$250.00} purchase.
Product: Debt collection

Actually this is regarding their refusing to discuss the XXXX XXXX XXXX XXXX option with me for my debt. I am currently unemployed and wanted to discuss the option. They said I was required to provide them with my husbands income and payroll statements before they would discuss rehabilitation of MY debt. This is not my husbands debt, but mine, and therefore he is not liable for it. His income or lack thereof has no bearing on our conversations, only my income is pertinent. In addition, they wanted other family members information, specifically asking for my inlaws phone and address with regards to my debt. 
Account Control Technology is what the collections agency for my student loans identified themselves as. Their phone XXXX. The rep name : XXXX ( would n't give last name ).
Product: Credit reporting or other personal consumer reports

No respond to my request below. 


Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 


INACCURATE REPORTING In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

PLEASE REMOVE ALL AUTHORIZE INQUIRIES NOT ASSOCIATED WITH ANY OPEN ACCOUNTS. 


INACCURATE REPORTING XXXX. XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX ACCOUNT # XXXX This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX, ACCOUNT # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX  ACCOUNT XXXX XXXX-This account is being reported inaccurately, please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Hi, I would like to initiate an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. Although they were removed before, they have been added back without my awareness. I was neither notified of this change nor received any correspondence in the mail.
Product: Mortgage

I made a payment online to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and email that my payment had been made. I few days later I noticed that the funds had not been deducted from my bank account so on XXXX/XXXX/16 I called Plaza Home Mortgage and was told there had been computer problems on XXXX/XXXX/16 and XXXX/XXXX/16.. I was told by the customer service rep that they would take care of the issue, confirm the payment, date it to XXXX/XXXX/16 and there would be no late fee. I watch my account for the next few days and saw it still had not been deducted so I call Plaza Home Mortgage again on XXXX/XXXX/16. Again I was told there were computer issues on XXXX/XXXX/16 and XXXX/XXXX/16 so they will take care of it and make sure the payment is made in the next few days. Again I am assured there will be no late fees and that it will be dated on XXXX/XXXX/16. On XXXX/XXXX/16 I received a credit alert that I am delinquent on my Plaza Home Mortgage account. I called Plaza on XXXX/XXXX/16 and after speaking to XXXX different customer service reps I was told that I needed to write a letter to dispute the delinquency. They then said that the payment I made on XXXX/XXXX/16 had been cancelled which is why the funds were never deducted. I tried to logically argue with the customer service rep that why would I make a payment only to cancel it the next day and then call three times wondering why the payment had not posted. I have a confirmation number from the payment on XXXX/XXXX/16. I have a confirmation email. I have no email confirming that I cancelled the payment. XXXX different customer service reps confirmed there were computer problems on XXXX/XXXX/16 and XXXX/XXXX/16 and that payments were affected. I finally asked the customer service rep to please just take make payment over the phone and she graciously said she would n't charge me an {$11.00} fee for processing my payment over the phone. At this time I am still waiting for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

Midland Credit Management took me to court and garnished my pay. The WHOLE amount was deducted from my pay and the judge released the writ of garnishment almost a year ago, but Midland continues to report this on my credit report and charging me interest for 1 year after I have paid off the debt.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  Account number 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 Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member  who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.
Product: Debt collection

I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request through investigation into these inaccuracies as required by Federal LaXXXX. Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX and Equifax for its failure to properly investigate consumer disputes, citing '' sham investigations and other unlawful acts and practices. These practices are outlined by the CFPB Include : Conducting inaccurate investigations that failed consumers disputes properly. Reinserting previous disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegation highlights systematic issues that directly Undermind consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner. Please review the inaccurate Hard Inquiry and all the Soft Inquires. Under the Fair Credit Act you are required to take off all inquiries within five days. All inquiries that do not have permissible purpose must be deleted according to 15USC 1681B. Thank you for addressing this manner promptly. I look forward to your response within the legal mandate 30 days ' time frame. Sincerely XXXX XXXX