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

I have reported four times to the Equifax that the same item was placed on my credit report and it was incorrect. I have sent them documents each time demonstrating that the same item, which was for {$140.00} was not owed. Three time they have removed the item, after their investigation demonstrating that I did not owe the money. 

Twice now I have reported the false reporting of this item to the Consumers Affair Bureau under complaint number XXXX and XXXX. The first complaint was closed out demonstrating that I did not owe the money. The second complaint is still open with the Consumers Reporting Bureau, however I received notice from Equifax on XX/XX/XXXX that they have verified the information that I owe the money and closed the case. 

This has come full circle, as once before Equifax stated that they had verified the information for the same item and when I requested to see the information, they changed course and removed it from my credit report, as verification did not exist. 

This time I contacted the collection company ( XXXX  ) directly and requested the verifying information that I owed the money. I spoke to XXXX XXXX on XXXX at XXXX XXXX. Ms. XXXX stated that she did not have the verified information, but that a letter had been sent to XXXX on XXXX requesting the verifying information and a break down of the invoice. She advised that she would send the itemized bill to me for review and verification. The only item I have received is a new invoice requesting money with no backup information to support their claim. 

Amazingly enough Equifax somehow was able to verify the collection company 's claim on XX/XX/XXXX, when the collection company had not received verification themselves by XX/XX/XXXX. No verification has been provided to date or at any time during the last five years. 

Additionally, last Equifax report states that this delinquency was initiated XX/XX/XXXX. This issues has been in issue since XX/XX/XXXX at which time it was well documented, that I did not owe any money to XXXX and that they were paid in full. 

I am requesting for the fifth time that this item be removed from my report and that I be provided the documentation demonstrating that this money is owed. In addition, I am requesting that all my complaints with the Consumer Finance Bureau be  included in my credit file to be reviewed with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate changes and updates to credit report going to all three bureaus is causing unnecessary lowering of my credit score by XXXX XXXX ( XXXX ). I am requesting that my credit report from all three credit bureaus be reviewed by XXXX XXXX and updated correctly to the score that I had before the issue mentioned. My score should be re-evaluated to show XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For a while now, Ive communicated with XXXX stating that the accounts their company has placed on my credit reports does not belong to me. I, also requested validation, that is competent evidence bearing my signature and I have been largely ignored.
Product: Student loan

I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ) for their egregious mishandling of my Public Service Loan Forgiveness ( PSLF ) application. 

On XX/XX/2023, I diligently submitted all necessary documentation for the PSLF program through MOHELA. Despite repeated attempts to elicit any form of response or progress update, I have been met with absolute silence. It is now XXXX, marking a staggering five-month period of complete neglect and disregard for my inquiries and the status of my application. 

This utter lack of communication and abysmal delay in processing my application is utterly unacceptable. As a borrower navigating the complexities of student loan forgiveness programs, I am appalled by MOHELA 's blatant disregard for accountability and transparency. The prolonged wait without any indication of progress has caused immense frustration, XXXX, and financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to Equifax and XXXX. I was sent a letter stating the account has been verified as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to these company 's and they will not help
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

Subject : Dispute of Debt Collection and Unauthorized Debt Sale by Midland Credit Management ( MCM ) To : Consumer Financial Protection Bureau ( CFPB ) Complaint Against : Midland Credit Management , Inc. ( MCM ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details : MCM Account Number : XXXX Amount in Dispute : {$3600.00} Credit Bureaus Affected : XXXX, XXXX, XXXX Reason for Dispute : I am disputing the validity of this debt, the unauthorized sale of my account to Midland Credit Management ( MCM ), and the inaccurate reporting on my credit file. 
1. Unauthorized Debt Sale No Consent Given I never provided consent for XXXX XXXX XXXX XXXX to sell or transfer my account to MCM. 
Under FCRA ( 15 U.S.C. 1681b ), my financial data can not be shared without a valid permissible purpose. If MCM can not provide documented proof of my authorization, they should cease all collection activities.

2. Debt Validation Issues MCM has not provided proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

I demand proof that MCM legally owns this debt and that the balance is correct, including an original signed agreement and itemized payment history from XXXX XXXX XXXX XXXX 
3. Inconsistent and Inaccurate Credit Reporting The account is reported inconsistently across XXXX, XXXX, and XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ), which mandates accurate reporting. 
The Date of Last Activity ( DLA ) is inconsistent : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX ( which is impossible ). 
The Date of Last Payment is missing, yet the account is being reported as past due. 
4. Pre-Legal Threats & Unfair Collection Practices MCMs Pre-Legal Notification suggests imminent legal action, which may violate the FDCPA if they do not intend to proceed with a lawsuit. 
The notice lacks proper disclosure of consumer rights regarding debt validation and dispute options. 

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

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Product: Credit card or prepaid card

I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am writing to formally dispute the reporting of late payments on my credit file associated with my account with inaccurate late payment. 

Rocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccurate records be corrected or deleted from my report.

Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. I am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.

Solosically, I question the accuracy and integrity of these entries based on the 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure madmum possible accuracy. In this case, the evidence supporting these late payments has not been furnished, and I question whether the creditor has documentation to support these allegations. Please
provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2 Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C.

1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting The reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Transunion credit reporting company. Requested that a creditor be removed from my credit report, XXXX XXXX XXXX XXXX. This is a medical bill with an original balance of {$380.00}, and per the bill passed in Congress in XX/XX/XXXX, credit reporting agencies are required to remove ORIGINAL medical debt of {$500.00} or less. Per the bill, this applies to the ORIGINAL debt, not debt added by collection agencies, like what has been done by XXXX XXXX XXXX XXXX. Transunion has refused to delete the medical bill from my report stating that the ORIGINAL debt does not apply, only the ORIGINAL medical debt + interest, which brings my total debt on this item to over {$500.00}. But this is in violation of how the law reads. 

XX/XX/XXXX - Requested the same, as above, with Transunion via telephone on this date. Received a written response back today ( XX/XX/XXXX ) with the same response as above, saying that the amount of the debt + interest exceed {$500.00}, therefor Transunion would not remove the item. Despite the ORIGINAL medical debt being under the {$500.00} threshold. 

NOTE : The Transunion credit report clearly states that the ORIGINAL debt is {$380.00} and from XXXX XXXX, a medical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called into the TransUnion credit bureau because my score with them is much lower than with XXXX  and XXXX. After comparing the reports to see what the differences were, I noticed that the TransUnion report stated one of the reasons for my score being lowered was length of credit history. I also noticed that they are missing an account that Ive had open and in good standing since 2006. The other two bureaus are accurately showing this account. When I called in to TransUnion, they told me that the creditor needs to report the account information and monthly updates and I would need to reach out to the creditor. On that same day ( XX/XX/XXXX ), I reached out to the creditor, who confirmed for me that they report to all 3 bureaus and that my account information was being sent to TransUnion. I called back to TransUnion on XX/XX/XXXX and spoke with a representative and their supervisor to try and get this situation resolved. I even offered to get on a 3 way call with the creditor to help resolve the issue. They offered ZERO help and even began to get belligerent as I pressed to come up with a solution. This is affecting my credit score and things I want to do in my life and for them to be so flippant is insulting and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute letters to XXXX  and Equifax and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Prev. Address : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : 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 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, credit repair services, or other personal consumer reports

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report
Product: Credit reporting or other personal consumer reports

There was an incorrect 30 day late XX/XX/year>XXXX  reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. I have also provided them several copies of the police report and they have not complied in removing any of the negative information on my report.

XXXX is a fraud account I explained to them that DMV has informed me that there are 2 other individuals in XXXX   Florida that has copies of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau refused to request a copy, and continue to retain the information on my report. 
I have explained the later payment to XXXX card and the credit bureau was due to fraud and identity theft. I have spoken to discover card many times and theyve stated that they will remove it yet, its still there. I also explained to them that the information amount on the student loans is incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no type of improvement in the results. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
Product: Mortgage

My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.