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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Product: Debt collection

I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX will not delete this old account information and it keeps re-aging. This account has been paid off in full and settled. I have visited the local branch which directed me to the number phone numbers on the reports. Either number is accurate and I have been unable to delete these accounts on my own. XXXX XXXX representative stated after speaking to the underwriter team that they have NO control over this being reposted. Who is responsible and which direction do I take? I'm giving this last opportunity to cure this account issue before I proceed to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 separate occasions I have attempted to remove a fraudulent address from my credit report at Equifax. I have filed the dispute process twice and never received any indication from Equifax it has investigated or removed the address. 

Today, I pulled my credit report and the address is still shown at Equifax. I attempted file another dispute, but, it will not let me as it says a dispute has already been filed. I attempted to call Equifax to resolve this and/or find out when this will be resolved. I can not get through to an agent. 

I am very frustrated by this and would like this removed ASAP. I suspect its fraudulent and Equifax is ignoring my requests to resolve this perpetuating the fraud.
Product: Mortgage

I made my mortgage payment on the XX/XX/XXXX but the payment was not applied to my account until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Product: Debt collection

debt reported on XX/XX/XXXX - {$3700.00} debt for unknown medical bill. tried to contact creditor and they could not tell me specific details for what ad when this was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED MULTIPLE TIMES TO OBTAIN CREDIT REPORT. 
SAYS ITS BLOCKED AT THE BACK END. 
PROVIDED ESCALATION CASE NUMBER XXXX WAS TOLD THAT TECHNICAL SUPPORT WILL REACH OUT TO ME AND FIX THE PROBLEM, HOWEVER NO RESPONSE TO DATE Equifax message displaying : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at 1-888-EQUIFAX ( 1-888-378-4329 ). 

XXXX  message displaying : " Sorry, we can't show you today 's XXXXbureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD XXXX XXXX  FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED XXXX XXXX IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH XXXX XXXX & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " XXXX XXXX '' ) XXXX XXXX. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to XXXX. XXXX 2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and reflected as current in XXXX 2021. The discrepancies continued, where XXXX reflected 30 days late and XXXX 2021 as 60 days late. Then current in XXXX and back to 30 days late in XX/XX/2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. XXXX XXXX XXXX was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and again on XXXX XXXX, 2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to negative all in XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under the protections provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the items listed below from my credit report. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This relates to the previous complaint I submitted about XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) opened up my closed bank account to accept a refund from XXXX, but sent two mutually exclusive return codes. This confused XXXX which caused them to reverse the transaction, sending my account into a negative balance. For two years, I argued with XXXX XXXX XXXX about this and they refused to listen to me and even submitted several misstatements, excuses, and flat-out lies to the state of Washington. I tried to dispute this report on chexSystems because it prevented me from opening up a bank account for my new business. All ChexSystems did was ask XXXX if it was correct - that is NOT an acceptable protection for consumers! A thorough investigation should have been done. I'm getting ready to buy a business and may not be able to obtain an SBA loan due to this comment on ChexSystems " verified accurate '' - it's NOT accurate, as evidenced by the response from XXXX, saying that THEY had the missing funds, not me. But for two years, XXXX lied about this to everyone involved. ChexSystems HAS to do more than just ask a corrupt financial institution if the incorrect information they submitted is accurate. They need to take consumer evidence into account and ask questions. ChexSystems did NOT protect me as a consumer, in fact, it made ME look even worse!!!!
Product: Student loan

I pursued a XXXX  degree in XXXX  and graduated on XX/XX/XXXX with my XXXX Degree in XXXX. By XX/XX/XXXX, I had a stable XXXX  job and had been faithfully paying Navient at least $ XXXX   monthly payment. In XX/XX/XXXX, I started out with a total loan amount of {$21000.00}. For the next 2 years, my loan amount hovered at $ XXXX-XXXX despite my monthly payments. By the time I was finally approved for a refinace with XXXX  in XX/XX/XXXX, my total loan amount was still {$21000.00}. I found this so hard to believe that 2 years of monthly payments hardly lowered my loan! I've included an XXXX   spreadsheet that I downloaded from their website after digging hard to find how they allocated my payment to interests vs principal. In XX/XX/XXXX, they sent me a student loan interest tax form that said I paid {$13000.00} interest, which they must mean for the life of the loan and not just XX/XX/XXXX. I am not able to deduct any of this for filing my XX/XX/XXXX taxes because my AGI is now above 80,000 as a XXXX XXXX XXXX. I worked really hard as a night shift XXXX XXXX and pursuing my XXXX  for an XXXX  career while making these payments to Navient. Navient has done a great disservice to me and countless other students ( from reading other complaints and reports ) by misallocating my payments and keeping me at high interest rates so that my >2 years worth of monthly payments doesn't amount to anything. I am just happy that I finally was able to transfer my student loan to XXXX. I've attached my XX/XX/XXXX Navient tax form and the XXXX  spreadsheet from Navient.
Product: Credit reporting or other personal consumer reports

subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC % C2 % A7 1681c-2Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. % C2 % A7 1681c-2.The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to federal law 15 U.S. Code % C2 % A7 1681c % E2 % 80 % 932 - Block of information resulting from identity theft : ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of % E2 % 80 % 94 I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : Equifax XXXX XXXXXXXX Number XXXX - Delivered XXXX XXXX XXXX XXXX Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX Tracking Number XXXX - Delivered XXXX XXXX XXXX XXXX XXXXAttached to these letters were copies of the following documents:1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of FDCPA & Request for Immediate Removal of Collection Dear Sir/Madam, I am writing to formally file a complaint against [ XXXX ] for blatant violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g ( Validation of Debts ) and 1692e ( False or Misleading Representations ). These violations have caused unjust harm to my credit and financial well-being. 

As required by law under XXXX XXXX XXXX, I requested validation of the debt referenced in the collection account XXXX from [ XXXX ] on [ XX/XX/year> ]. Despite my lawful request, they have failed to provide the required documentation validating the debt. Under the FDCPA, all collection activities are to cease immediately until the debt collector provides this validation, which has not occurred to date. 

I demand the immediate removal of this collection entry from my credit report due to the following reasons : XXXX. Failure to Provide Debt Validation : The debt collector has refused or neglected to provide the requested validation of the debt as mandated by law, thereby violating my legal rights under 15 USC 1692g. 
XXXX. False, Misleading, or Deceptive Representation : The continued reporting of this collection account on my credit report constitutes a violation of 15 USC 1692e, as the failure to validate the debt creates a false and misleading representation about my financial obligations. 
By continuing to report this debt without validation, [ XXXX ] is engaging in unlawful and deceptive practices in violation of federal law. If the debt collector fails to provide the requested documentation, I will consider their actions to be a violation of the FDCPA, and I will seek legal recourse to address the damages caused. 

This letter serves as formal notification that I expect the immediate removal of this collection from my credit report and the cessation of all collection activities. Should [ XXXX ] fail to comply, I will escalate this matter further by pursuing all available legal remedies and filing complaints with the CFPB, the Federal Trade Commission, and my states attorney general. 
I demand that the CFPB take swift action in investigating this matter and ensure that my rights under the FDCPA are fully upheld. Please provide me with confirmation that this complaint has been received and is being reviewed. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution. 

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

Subject : Formal Complaint Against MoHELA for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the Missouri Higher Education Loan Authority ( MoHELA ) regarding its attempts to collect on a student loan debt that has been legally discharged.

1. Loan Details : Loan Servicer : MoHELA Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I discharged the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service XXXX IRS ). 

MoHELA was sent a copy of the 1099-C as required, notifying them of the debt cancellation.

3. Collection Efforts : Despite this discharge, MoHELA has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe MoHELAs actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation. 

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of XXXX. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ). 

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices.

2. Require MoHELA to cease all collection efforts on this discharged debt immediately.

3. Ensure MoHELA updates its records to reflect the cancellation of this debt and remove it from my credit report.

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX
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 : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company is reporting to my credit that this account has been resolved and is no longer in their office, but they are still reporting to my credit report. I have recently sent a complaint and this was the response, but it has not been updated accurately : CKS Prime Investments , LLC ( CKS Prime ) acknowledges receipt of the consumer complaint. The account has been reviewed by our compliance team. The account associated to the consumer inquiry was settled in full and closed with our office. CKS Prime is a data furnisher and as such is subject to independent rules and regulation. In accordance with governing rules, accounts are not deleted from a consumers credit bureau because of a payment or a resolution, but rather, the credit bureau reporting of the account is updated. We do not engage in a paid to delete strategy. The account is reporting to the bureau accurately as settled in full in accordance with governing legislation for data furnishers. Should the consumer have further questions or concerns we invite them to contact us to discuss the matter further.