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

I haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona
Product: Credit reporting or other personal consumer reports

Rent recovery solution Acct XXXX XXXX XXXX XXXX I checked my amount due to XXXX  recovery and it was different from the judgement of the courts and I would like to have the judgement and well as the incorrect amount dismissed /deleted off my reports as a violation to my consumer rights I was never aware or recieved any validation of this debt according to 12CFR 1006-34 ( C ) ( 4 ) ( I ) I was never given a chance to dispute
Product: Debt collection

DEBT COLLECTION BY PLUS FOUR LLC, FAILED TO PROVIDE VALIDATION AS THE LAW REQUIRES : 1. Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

2. Show proof this debt assigned or purchased from a original creditor?

3. A complete account history, including any charges added for collection activity.

4. Proof that the Statute of Limitations has not expired on this account.

5. Proof that you are registered to transact business and/or collect in my state.

6. Proof of your authorization by law for your collection of information.

7. Evidence of whether this debt was assigned or sold to : PlusFour , Inc.

8. Does PlusFour, Inc. have a signed agreement with me personally as Nevada law requires Statue NRS.676A.040 Agreement defined for a collection agency to collect or manage my debt.

8. Please provide HIPAA a release form with my signature.
Product: Debt collection

Two collection debts appeared on my credit report from Creditors Bureau USA. I tried to get in touch with this company via certified mail 31 days ago tracking number XXXX. I simply asked them to verify the debt in detail. I still have no response from Credit Bureau USA. I have a copy of the letter sent to the collection agency if needed.
Product: Credit reporting or other personal consumer reports

I have contacted this bureau in regards to a simple request. The request was to remove comments from an account. To date, the comments remain. 

This is violation of FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

the collection company named : I C SYSTEM COLLECTIONS has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency IC SYSTEM COLLECTION and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX
Product: Mortgage

Purchased a home with an existing loan from MR COOPER Obtained Payoff information on XX/XX/2020 Home closed with a General Warranty Deed in XXXX XXXX, North Carolina, all cash on XX/XX/2020 A check from the closing attorney was issued XX/XX/2020 with the loan number written on it, and was confirmed deposited from the attorney 's trust account As of today, MR COOPER has not cleared the lien, and is actively trying to collect on this account ( another $ XXXX ). 

We are trying to sell the home, but the new buyers can not obtain title insurance due to the lien still being on the home Me, the homeowner, and the closing attorney, have spoken to Mr Cooper 2-3 times per week for the last 6 weeks trying to resolve this, but they have refused to clear the lien and are trying to collect payment from me, even though they have admitted that they have " lost the deposit ''. 

This money has been stolen, and I need this investigated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items to be incorrect and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified inaccurate information on my Experian, XXXX, and XXXX reports that is a result of identity theft. These items are not related to any transactions completed 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 I am requesting these items be blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of fact.Experian, XXXX, and XXXX are required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and fi le of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.
Product: Checking or savings account

Here at truist bank account of XXXX and some odd cents where privacy act invaded and forced sergation and frauded and in authorized transactions. Have nortarized affidavit that I brought to bank for money back from account but was discriminatied on.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies ( DODGE ) . I understand that my student loan data includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ) has been accessed by these parties without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am overwhelmingly concerned of the misuse of my private data. 
This unauthorized access appears to be a direct violation of my rights under FERPA. The student loan database including my social security number, financial records along with sensitive and personal details requires the highest level of confidentiality. The lack of legitimacy on XXXX XXXX behalf for this level of access compounds the severity of this breach. 
Due to this serious FERPA violation leaving me vulnerable and resulting risking my privacy and financial security, with this I am respectfully requesting the following actions : 1. Immediate and Through investigation : I request an investigation composed of transparency and intense comprehension involving the unauthorized disclosure. This investigation should identify the parties involved responsible for releasing my data, the purported legal justification, specific reas

on ( s ) the data is being used. 2. Immediate Cessation of Data Sharing : I demand that the Department of Education immediately stop sharing my student loan inform
ation with XXXX XXXX, his companies and/or any other third party who have unauthorized legal access. 
3. Loan Discharge as a Remedy : Given the significant breach of my privacy rights and the Departments failure to protect my sensitive information, I request a full discharge of my student loan obligations. Due to the mishandling of my loan, a discharge in my view is the only appropriate course of action.
Product: Student loan

I attended XXXX XXXX college in XXXX New Jersey and in XXXX New Jersey and while I was in rolled I went to school one day and the doors were shut and now I 'm stuck with a huge loan that I have to repay where I was being garnished and my income tax is taking and I am struggling to get my credit score back up I have no credit because of this and I am legally supposed to be getting it forgives but they 're giving me a hard time this company because they 're so stuck on getting repaid but I am entitled to getting all my money back because I never got to graduate and I can not get my credits transferred in the school shut down while I was in rolled I believe I am entitled to get all my money back and I want to be in a class action lawsuit against the school
Product: Credit reporting or other personal consumer reports

These Credit card account holders have reported my account as a CHARGE OFF on my credit report with all the reporting agencies. They never provided me a 1099C for reporting purposes. If they charged this account off as listed on my report, I need to claim this as income with the IRS. This goes against compliance and although it says they charged it off, they are still saying the amounts are still owed. I have my credit reports dating back to XXXX and XXXX which shows this still currently XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX. Did not authorize with me to run credit checks or reports on my behalf.
Product: Credit card

My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block. inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Further more, their dispute resolution processes was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial losses, and I seek appropriate redress I already been through this with cashapp there last settlement and yall didnt give me anything.I also had to make a new cash app account because my old XXXX yall just didnt let me use anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXX XXXX acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of XXXX according to XXXX XXXX XXXX. XXXX et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.
Product: Credit reporting or other personal consumer reports

In the month of XXXX it is reporting my account as past due when it was paid on time. There was an issue with my bank where the payment was returned but it has been updated and needs to be updated on my credit report.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am contacting you regarding the alleged debt referenced in my consumer credit report and associated with the following account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$15000.00} Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt. I am exercising my right to request verification and validation of this account within 30 days of receiving notice of this debt. 

Specifically, I request the following : Verification of the amount claimed to be owed, including a breakdown of principal, interest, and fees. 
The name and address of the original creditor, if different from the current creditor. 
A copy of any judgment ( if applicable ). 
Verification that you are legally authorized to collect on this debt. 
Under 15 U.S.C. 1692g ( b ), collection activities on this account must cease until proper validation is provided. Failure to provide sufficient validation within a reasonable period will be considered a violation of the FDCPA, and I may pursue my legal rights accordingly. 

Additionally, please update your records to reflect that this debt is in dispute. If your investigation determines that the debt is invalid, I request that you remove all negative references related to this account from my credit report. 

Please provide written confirmation of your receipt of this dispute. I expect a response within the timeframes required by law. 

Thank you for your prompt attention to this matter. 

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account high balance. Nor do I recognize the late payment associated with this account. Everything reported here does not meet the FCRA! 

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

My ex-wife filed for bankruptcy in XXXX and XXXX XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

XXXX XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that XXXX XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.
Product: Debt collection

I was not aware of this student loan company I only had loans with the XXXX XXXX XXXX   and XXXX and Chase and have never heard from this company in XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX company that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX XXXX  XXXX. They garnished my wages in XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XX/XX/XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
Product: Debt collection

I called LVNV Funding a month ago. In a recorded conversation they stated that if I provided them with the letter from XXXX XXXX they would remove the collection. How are you collecting on a debt that the original furnished say that I do not owe. I will also include XXXX XXXX in this dispute so they may be contacted. XXXX XXXX determined that this card was opened due to fraud and updated my accounts according. In fact deleting it from all credit bureaus, but XXXX who refuse to keep good records and who has not updated my account with my new accounts or did anything they should is the only major credit bureau still reporting it. I have attached some files and also the recorded conversation between LVNV Funding and I.
Product: Student loan

I've defaulted and the company Pennsylvania Higher Education Assistance Agency has charged me 18 % in additional interest on my loan for defaulting. My loan amount has actually doubled. Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately
Product: Credit card or prepaid card

I was charged two amounts of {$200.00} by United Air which should not have been charged. Additionally, foreign transaction fees of {$6.00} per transaction was charged. I called to request a refund of fees and a credit and the service agent was not helpful.