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

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. 
XX/XX/XXXX, XXXX filed a claim against me in small claims court. 
XX/XX/XXXX, case went into arbitration. 
1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 
2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 
3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 
4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 
5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 
6. I filed several motions to dismiss case with prejudice. 
7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 
8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 
9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any reply about my complaints. I don't understand why? your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX
Product: Debt collection

I did not recieve medical attention in 2019 nor would my actual medical records reflect that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this problems several times over the year and have sent in my Drivers License and it shows correct on Equifax site but not on other sites when I check Equifax report. I was alerted on XX/XX/XXXX of an collection from XXXX for {$420.00} by Equifax. When I try to dispute it, it does not show on on Equifax site. When I pull Equifax through XXXX site or XXXX site, it comes up saying XXXX XXXX XXXX and OLD ADDRESS XXXX XXXX XXXX. I have not had that maiden name or address in 7 years so it is clear Equifax once again has 2 files on me. 1 is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC WHICH IS CORRECT and I sent in my Drivers License months ago and was supposedly corrected when I then filed a complaint with CFPB. Now the 2nd file shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THE XXXX XXXX OF XXXX. THIS INFORMATION IS WRONG AS I HAVE NOT LIVED AT THAT ADDRESS OF HAD THAT MAIDEN NAME IN 7 YEARS. I NEED TO DISPUTE THE XXXX XXXX as it is not mine and Equifax needs to fix the 2 files that are being reported. I have Equifax monitoring which I PAY for that is giving me wrong information. I HAVE SPENT OVER 3 HOURS ON THE PHONE EVEN WITH SUPERVISORS AND THEY ARE CLUELESS. PLEASE DELETE THE OLD FILE WITH XXXX XXXX XXXX ASAP
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX/XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on XXXX. I am requesting that a follow up be made to make sure this XXXX/XXXX file is removed from XXXX  AND EQUIFAX ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to your guy before back in XXXX about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.
Product: Mortgage

chase will continue to lie to avoid dealing with the fraud and illegally claiming duplicates they know XXXX XXXX scammed me but he knows inside people and are getting help to avoid being held responsible for the mortgage fraud he committed against me. please reveal to all parties involved the mortgage fraud. i received a call from mr. XXXX of the cfpb this week. he said that on XX/XX/2018 XXXX XXXX confirmed the mortgage fraud on my complaint and it are being mailed to me. chase please confirm it to me
Product: Debt collection

The amount of {$3700.00} should be removed from all credit reporting bureaus immediately. XXXX and XXXX the company was contacted in these regards : - )
Product: Credit reporting

I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the Chase Business United MileagePlus Club card using this link : https : /XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX About a week later, I was approved and received my card in the mail. However, it was the XXXX XXXX XXXX XXXX card and not the business card which I had applied for. 

I tried calling to explain about this issue and received various ambiguous answers. The first time I reached out, I was told that the card I received was indeed the business card. The second, third, and fourth times I called, I was told that this was a personal card and that they can't change it for me.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and fount some inaccurate information placed on my credit report. I have made a list of all the inaccurate accounts that I would like removed I am in the process of buying my first new home for my family please review all of my documents. 



XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Product: Debt collection

I do not believe the debt that is reported on my credit report is valid
Product: Credit reporting

XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report
Product: Debt collection

I have never had communication with Midland Credit Management or the original creditor XXXX XXXX XXXX They stated that the account was opened XX/XX/2022 in the amount of {$1700.00}. This account was removed from my reports and now it reappeared. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presumit that no proof of the alleged debt, nor therefore any such debt, in fact therefore does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year Jp Morgan Chase Bank has been reporting that I have a XXXX charge off on XX/XX/2015 which is inaccurate and untrue. 
When I contacted Jp Morgan Chase Bank and sent them a debt validation letter pursuant to the The Texas Finance Code And The Fair Debt Collection Practices Act they sent back incorrect information, The information they sent me to validate the debt, was an old credit card application and had a date of birth, that was not mine as well as a social security number and an address that did not belong to me. When I contacted Jp Morgan Chase Bank with a current copy of my drivers licence and my social security number proving that this was not me and the information was inaccurate and untrue, Jp Morgan Chase Bank refused to respond. When a data furnisher is aware that the information ON A CREDIT REPORT IS INACCURATE AND UNTRUE, Under The Fair Credit reporting act the information is required to be removed from the consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my credit report is reporting a collection that is inaccurate. The collection company is trying to report the collection as being newer than it really is. I Received a response from my dispute letter on XX/XX/XXXX from the collection company in which they validated the debt as accurate. Then I tried disputing this with the credit reporting agency XXXX three times. Letters sent certified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have not sent a response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : 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 4. Account Name : XXXX XXXX Account Number : 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 a account without my written instructions 5. Account Name : DPT EDXXXX Account Number : 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 a account without my written instructions 6. Account Name : DPT EXXXX Account Number : 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 a account without my written instructions 7. Account Name : State Employees XXXX Account Number : 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 a account without my written instructions 8. Account Name : XXXX XXXX Account Number : 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 a account without my written instructions Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting an Identity Theft report to Equifax they removed the accounts associated that weren't mine ; this occurred in XX/XX/2018. Just recently checking my credit report on XX/XX/18 they re-inserted the information back on my credit report. According to FCRA law I am supposed to be notified within 5 days and as of today I have still not been notified. I want these items permenantly deleted from my credit file and never reinserted. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Card, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX Card service.
Product: Debt collection

I have disputed the validity of this debt with equifax twice and have not received any results. In XX/XX/XXXX and XX/XX/XXXX equifax has received my dispute request via certified mail. Im so curious on how equifax was able to verify this debt as mine when the other bureas were able to determine that it was not my debt and deleted it from my reports. If the company has to report the same information to all bureas, what has equifax found differently that deems the debt as valid? The company itself can not validate the debt so how can equifax? Due to this erroneous account I have been punished by receiving unfair rates.