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

I have wrote numerous letters to XXXX, XXXX, and Trans union requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL, XXXX XXXX XXXX XX/XX/year>2024 XXXX Dispute of Closed Account on Credit Report To Whom It May Concern : I am writing to dispute inaccurate information regarding a closed account that appears on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 623A. The account in question is with XXXX  and is listed under the account number XXXX The details of this account, as reported, are inaccurate because the account was reported as closed by the creditors the account is showing as closed with a balance, but it was paid in full before closing Under the FCRA, I am requesting that you investigate this matter and either correct the inaccurate information or remove the erroneous details from my credit report. Please notify me in writing once the investigation is complete and the necessary corrections have been made. 

Thank you for your attention to this important matter. I look forward to your response within XXXX  days, as required under the FCRA. 

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

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1500.00}
Product: Vehicle loan or lease

This is my formal complaint that your company is in direct violation of the Fair Debt Collection Practices Act, and the Consumer Collection Practices Act in my State. I sent a debt validation request to your office on XX/XX/2021. XXXX Exhibit A ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I made a formal request for the verifiable validated proof and/or the original signed certified consumer contract with a wet-ink signature on it of this account that is reporting on my credit reports. A certified original contract to verify this debt. Copies of copies are not considered validation. I believe your firm violated the above act ( s ) as follows : 1 ) Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Collector failed to provide a valid basis for debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumers wet-ink signature ; 3 ) Collector admitted in their correspondence dated XX/XX/2021 XXXX Exhibit B ) that they do not have the original contract or any loan origination documentation in their possession ; 4 ) Finally, the collector failed to provide an affidavit signed under Penalty of Perjury that collector has not violated any portion of the Fair Debt Collection Practices Act. 
You should be aware that reporting invalidated information to major credit bureaus might constitute in defamation of character. 
In my previous letter, I requested that you have the debt removed from the four credit bureaus to which you supplied the information. The account was not removed, this action, as I mentioned, is a direct violation of my rights.

As you have failed to respond to my validation request in 30 days, I am requesting that you remove this unverified invalidated account from all four credit bureaus.

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint because there are several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX  Discover has sent me an itemize statement bill of my account which I didn't not request nor ask for. This a clear stall tactic to remove or update my utilization as stated in my letter I sent and never gotten a response back in my letter I've stated NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

account : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) DISOVER Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) DISCOVER that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX. PLEASE KNOW THAT DIFFERENCE BETWEEN AN ITEMIZE BILL AND A UTILIZATION! You stated that it's required to report to all three agencies. Yes only transactions of my spending. But it clearly does not state on paper or contract DISCOVER WILL REPORT UTILIZATION THIS IS A VIOLATON OF THE LAW. YOU HAVEN'T GIVE ME ANYTHING ABOUT YOUR INVESTIGATION ONLY A ITEMIZE BILL. I DID'T REPORT NOR REJECT MY DISCOVER CARD. I'LL ASK ONE MORE TIME PLEASE SHOW ME YOUR INVESTIAGTION REPORT INTO MY REQUEST OF REMOVAL OR UPDATE TO MY UTILIZATON.
Product: Student loan

I applied for PSLF back in XXXX, consolidated my loans in XXXX. I have heard nothing from Mohela or XXXX regarding what is going on. For the past 2 weeks since XX/XX/2022 I have been calling daily to get an update. Last week I logged a complaint with XXXX XXXX XXXX  and still no answer. What is freaking me out, I put in my social and birthdate and the system tells me it can't find my PSLF paperwork. 

This is worrying me as I only have until the end of XXXX to make sure that this goes through. There is no one that works that has 1 1/2 to 2 hours to wait for someone to to answer, if they ever do. 

I have made over 300 payments according to my records, but have no idea what is taking so long if that is what I have since I only need 120 payments. This is their duty to help us, but they seem to have restricted our access to get the help and answers that we need to our questions.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXXXXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my XXXX and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Product: Credit reporting or other personal consumer reports

upon checking my consumer report from early warning services I noticed a few accounts that are not mine can you please have these deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX  credit card with XXXX XXXX XXXX XXXX.

Application number XXXX XXXX and was denied. The following letter, XX/XX/XXXX, states " For unsatisfactory or unverifiable information '' I called the number given me in the letter to XXXX  and the rep.could not give me a specific reason, not one! and suggested I contact Equifax and get a credit report. TodayXX/XX/XXXX, I tried, on line to obtain a report and even with my old report in hand, apparently did not answer the questions correctly (? ) Then I called the number given me on the Equifax website, went through the question process and then I was told I was unable to get a report! and then was disconnected! I have dealing for over a YEAR with some unknown issue with my credit, even after, with a great deal of effort and your help, removed a " Extended Fraud Alert '' even after all this I am denied credit! XXXX XXXX has my credit rating at XXXX!! Why is this hapening to me?? For God 's sake I think at an XXXX credit score I should have companies falling all over themselves to give me credit instead of treating me like a leaper!
Product: Debt collection

I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file.

I do not recall giving written consent for any company to obtain or furnish my information, nor have I signed any documentation authorizing such access. According to the FCRA, all credit reporting agencies are required to only provide consumer information when proper authorization is given, and I have not provided such consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Dispute of Incorrect Late Payment on Credit Report To Whom It XXXX Concern : I am writing to formally dispute an inaccurate late payment entry on my credit report. I have identified a late payment notation for my personal loan account with [ Best Egg ) [ XXXX ], dated [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ]. I have consistently made my payments on time and have records to support my timely payments for this account. The reported late payment is an error, and I kindly request that it be investigated and corrected promptly. Enclosed are copies of my [ Confirmation of payments and payment history ] indicating that my payment was made on time for the disputed date. In accordance with the Fair Credit Reporting Act, I am requesting that this incorrect information be removed or updated to reflect an accurate payment history. I would appreciate receiving written confirmation of the outcome of this dispute, as well as an updated copy of my credit report if any changes are made. Thank you for your attention to this matter. 
If any further information is required, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

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

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.
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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Equifax # XXXX 1

5 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 an 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

What happened? 

I filed a civil suit against XXXX XXXX XXXX XXXX XXXX  XXXX in the Justice of the Peace, XXXX XXXX, Place XXXX in XXXX XXXX, Texas, regarding various issues experienced at their apartment complex. The issues included failure to provide essential utilities, neglect of noise complaints, creation of unsafe and uninhabitable living conditions, and improper renter 's insurance fees without disclosure. My case number is XXXX. 

On XX/XX/XXXX, during the court proceedings, I was informed that the matter would not go on my record and that the opposing party was not seeking further action against me. Despite this assurance, I have recently started receiving collection notices related to the disputed debt. The collection attempts contradict the court 's decision and have caused undue stress and confusion. 

Important Dates : XX/XX/XXXX : Filed the original civil suit. 
XX/XX/XXXX : Informed in court that the matter would not go on my record and no further action would be taken. 
XX/XX/XXXX : Received a collection notice from Sentry Credit , Inc., stating that the account has been referred for collection with a total balance of {$2700.00}. 
The actions taken so far include : Filing the original civil suit on XX/XX/XXXX. 
Attending court proceedings on XX/XX/XXXX, and receiving the assurance that the matter would not go on my record and no further action would be sought. 
Filing an appeal to ensure my rights and the court 's decision are upheld. 
Receiving unexpected collection notices starting on XX/XX/XXXX.
Product: Debt collection

Midland credit, they never contacted me! Old credit card that I forgot about from 20. I I paid iXXXX when I retired. No letter from midland credit to collect. They just went straight to XXXX XXXX magistrate court and filed. I found out in XXXX. Magistrate court left a hung note on my house door. I went in person and found out when I told them there was a note hung on my door. Midland credit never sent a letter to me about this just filed at XXXX XXXX magistrate court in ga
Product: Debt collection

I am placing this complaint against Medical Data Systems, LLC. The collection agency is reporting wrong, inaccurate, conflicting, misleading, different, and inconsistence reporting on my credit report with all three Credit Bureaus. Creditors and Collectors are not allowed to report wrong, misleading, and inaccurate information to my credit reports. Under the Fair Credit Reporting Act, if the information is not accurate and fair, I have the rights to asked that is it removed. I never received a debt validation letter from Medical Data Systems, LLC, initiating contact with me informing me that I owe a debt with an amount owed on the debt, and the name of the original creditor. Along with a validation letter, Medical Data Systems, LLC should have included a number of statements of my rights, including that they have assumed a debt to be valid unless I dispute it in thirty ( 30 ) days, a statement that the collector has thirty ( 30 ) days to respond if I dispute the debt, along with other requirements. I am asking Medical Data Systems, why do they believe I owe the debt, for a record of all owners of the debt, amount and age of the debt, and under what authority Medical Data Systems has the authority to collect without informing me that they took over a debt. I am also asking for a copy of the date Medical Data Systems took over the account, the status and date of the account when they took it over from the original creditor. I will follow the proper chains of command, and file a complaint with the Federal Trade Commissions ( FTC ) I am requesting that this account is immediately removed from all three ( 3 ) reporting Credit Bureau for reporting false information, inaccurate, misleading, different, conflicting information, conflicting dates, amounts, no reporting data, collections, unknown assigned dates, accounts status reported as closed, paid, and at the same time reporting as the account being in collections as recent as XX/XX/XXXX. Medical Data Systems reported false and wrong information when they reported a last payment date was made on XX/XX/XXXX. This is false inaccurate reporting. Please provide me with a copy of a check, money order, or receipt where a last payment was made on that date. Reporting different inaccurate dates and information on my credit report that an account was paid and closed, and then reporting a recent date as being in collections is very damaging to me and my credit report. I will provide the FTC if necessary with a copy of the misleading inconsistencies that Medical Data System is reporting. There are several inconsistencies, inaccurate reporting information being reported by Medical Data Systems to the three ( 3 ) Credit Bureau. I am exercising my rights to dispute the Medical Data Systems, LLC account, and ask that this account is completely removed, updated, and show as a positive reporting with all three ( 3 ) Credit Bureaus. Please keep in mind that reporting inaccurate, inconsistent, misleading, conflicting, and wrong information will hinder my credit in a negative way, and is damaging to me and my credit. As a consumer, I have the right to an accurate credit report. Thank you