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

NOTICE : Cease and Desist Pursuant to 15 USC 1692c ( c ). I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through ANY and ALL mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following pursuant to Federal Laws and my rights. 

A. XXXX out the balance on ALL accounts listed below as paid as agreed. 

B. Deletion from all Consumer Report and Consumer files.

C. Remove ALL late payments D. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports.

E. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports.

I conditionally accept your offer upon proof of bona fide claim. 

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will claim harm by the way of Trespass, FRAUD, Breach of Privacy rights, dishonor and unauthorized disclosure by unlawful officers or employees of XXXX and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 


I am demanding you in accordance with my rights pursuant to 15 USC 1681b ( 2 ) Pursuant to 15 USC1681a ( d ) ( 1 ) ( A ) ( 2 ) ( i ) as my instructions are as follows Exclude or Delete or Remove these Unauthorized alleged accounts from my consumer report and my consumer file listed below. 

1. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts XXXX. DEPT OF ED/XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice You have 10 days to respond to this offer with sufficient evidence failure to comply under law shall incur penalty and or criminal liability under Federal Law title 18 and Title 15 and other applicable laws.

Failure to comply you will be in violation pursuant to 18 USC 102A- Aggravated Identity Theft. 

Failure to comply you will be in violation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Failure to comply you will be in violation pursuant to 15 USC 1681n Failure to comply you will be in violation pursuant to 15 USC 1681o Best regards, XXXX XXXX a man
Product: Credit card

I am writing to lodge a formal complaint against Self Financial Inc. concerning a clear breach of contract and their refusal to adhere to the arbitration obligations outlined in our contract terms and agreement. The actions of Self Financial Inc. have raised substantial concerns regarding contractual commitments and compliance with relevant legal regulations. 

The key facts related to this complaint are as follows : 1. On XX/XX/2023, I initiated the arbitration process by formally submitting a demand for arbitration against Self Financial Inc., based on my belief of a breach of contract between myself and Self Financial Inc . 

2. Our contractual agreement features explicit and unambiguous terms that govern the dispute resolution process. Specifically, it unequivocally states that either party has a 30-day timeframe, commencing from the date of receiving the Demand for Arbitration, within which to make an election regarding the chosen method for dispute resolution. This contractual provision is designed to ensure a fair, timely, and mutually agreed-upon resolution process. 

3. Unfortunately, on XX/XX/2023, Self Financial Inc. opted for a course of action that conspicuously contradicted our contract 's terms. They chose to pursue resolution through a small claims court, an action that falls outside the clear and binding stipulations of our contract, as it occurred beyond the 30-day window specified for making such an election.

4. It is essential to underscore the importance of Illinois law, particularly the Illinois Uniform Arbitration Act ( 710 ILCS 5, Section 17 ), in matters concerning jurisdiction and the handling of arbitrations. In alignment with Illinois law, when a contract includes an arbitration clause, arbitrations must be exclusively conducted through arbitration if such a clause exists within the contract. Our contract undeniably contains an arbitration clause, thereby emphasizing the significance of abiding by our agreed-upon arbitration obligations. 

Given these indisputable facts, it is evident that Self Financial Inc. has not only breached our contract by failing to adhere to the prescribed arbitration obligations but has also transgressed Illinois law by choosing the small claims court as a method of dispute resolution. 

I respectfully request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into this matter and takes appropriate action against Self Financial Inc. for their breach of contract and their failure to honor arbitration obligations. 

Enclosed with this complaint, you will find supporting documentation, including copies of our contract, the demand for arbitration, and all relevant correspondence associated with this dispute. I look forward to a swift and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as late payment.
Product: Credit reporting

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated attempts to unfreeze my account with Equifax were met with answers that my identity could not be verified based on the questions asked. When I initially froze this account I was advised unfreezing would be an easy process by using the pin I was provided. There is now no way to use the pin and your identity verification process does not work. Furthermore, I can not access your site which tells me to call a given number. That number is of no use because it will not verify my identity by using the questions provided. Wish I'd had this much trouble freezing it in the first place and I would have given up. Unfortunately, having it not frozen is no issue, being unable to unfreeze it is a huge issue.
Product: Credit card or prepaid card

Dear Sir and Madam, I moved to a new place in XXXX and lost my credit cards. I did set up future mails forwarded to my new address but I never received the statements or an email from the Bank of America showing that I was behind on payments. there's no one ever called me to inform me that I still owed {$5.00} which was a purchase of a CART in the airport back on XX/XX/2022. 
I called Bank of America to request the new cards so I could log on to my online banking accounts to check my account and they said they will fix my credit score so it will not affect my credit score, since it already lowered my credit score by over XXXX points. My score was normally over XXXX points in the last few years. 
I called on XX/XX/2022 to make the payment of {$5.00} for what I owed with a Bank of America representative over the phone. I also set up a minimal auto payment monthly to prevent this to happen again in the future. 

So far, my credit score has not been recovered yet. 

Thank you so much for your support!
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX  and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my previous communication, these items have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed an initial complaint to receive debt verification from Jefferson Capital Systems and I received another bill. However, the little information that was provided is not enough to verify the debt. All they provided was a bill with different payment options and how to pay them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX
Product: Student loan

I received an email on XX/XX/XXXX from Mohela, a servicer for Federal Student Aid stating I have a payment due on XX/XX/XXXX. I do not disagree with the payment scheduled but I would like to log onto the website, check to make sure my bank account is updated, see my loans, and ask about any deferment I may be eligible for due to being in school next semester. I attempted to login to Mohela with prior login info at XXXX : XXXX but the login id & password didnt work and if I keep trying I will get locked out. I attempted to reset the password but it says We're sorry our records don't match the information you provided. Please try again. So then I called Mohela at the # displayed on the email XXXX for two days in a row but the messages keep kicking me back to the original menu and no matter what option I press I can not get through to anyone. I am willing to hold the line but I am unable to get on hold to speak to an agent it keeps repeating the same message. I then tried to send a secure message on the site at https : //mohela.studentaid.gov/DL/common/contactUs.aspx but, this requires a login to the site which I am not able to to. On XX/XX/XXXX I called FAFSA at XXXX as a final attempt to get through to Mohela. I spoke to a rep for FAFSA and was directed to submit a complaint request on FAFSA website Your case has been submitted! 
XXXX XXXX : XXXX What's Next? 
Thank you for submitting your feedback. It XXXX take up to 15 days for someone to contact you. 

As of today XX/XX/XXXX have not heard back from XXXX regarding the complaint. I attempted another call to MOHELA today and was told the hold time would be XXXX minutes but did not let me wait on hold just kept on repeating the same messages. I then called back XXXX, spoke to XXXX today regarding my case # from XX/XX/XXXX and asked about MOHELA and was told a supervisor would assist. I waited on hold for XXXX minutes then the rep said the situation would be escalated and waiting on additional information and then I would get an email regarding the case ( no time frame but said it shouldnt take longer than XXXX week ). After already being given a time frame of 15 days and XXXX not following up I dont believe I will be contacted within a week. While we were on the phone XXXX said she sent me a reset/forgot password request link from XXXX, XXXX I reminded her my issue is not with XXXX its XXXX Mohela. I know my login info for XXXX already. 

I can not log into the website nor can I reach a rep on the phone, how am I to manage my student loans or know if they have the correct payment info come XXXX? The only other method I have is sending them a letter in the mail to them at this address and waiting a supposed week for XXXX to contact me back regarding the escalation of my case. 

Request for Assistance MOHELA XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this account is not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX - However, theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if it isn't reporting accurately. Also. 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. Lastly, these accounts arent in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
15 U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.
Product: Credit reporting

Sent them several disputes regarding this matter. I keep getting the same response. " Inquires are a factual record. If you feel this is fraud contact the creditors. I have contacted the creditors also and get told I have to have Equifax remove them. They have since locked me out of the online dispute process stating my information does not match. I 'm 100 % sure my information matches. I then faxed them a new dispute with an intent to file suit letter and they have ignored that also.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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