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

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is failing to report my loans as paid. They continually tell me they have reported it as closed. But they have not. They keep reporting it at open. They are doing this for 3 student loans that I paid this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting

XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a Victim of Identity Theft
Product: Debt collection

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because Equifax, XXXX, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Product: Credit reporting or other personal consumer reports

XXXX failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically violating 15 U.S.C. 1692d, which prohibits harassment or abuse, and 15 U.S.C. 1692e, which prohibits false or misleading representations. Additionally, they failed to comply with FCRA provisions requiring accurate reporting and proper validation. As these laws mandate that such documentation must be provided within the specified timeframe, I am formally requesting the immediate removal of this account from all records and my credit report.
Product: Student loan

PHEAA wants me to make payments on a student loan that is not mine. For the last five years I have been asking them for a copy of a Promissory Note that I would have signed and as of date, they still have not sent me a copy. I have called and spoke to XXXX XXXX about two weeks ago explaining this again. I made payments on these loans in XXXX thinking that these were loans associated with students loans I have with another Servicer. I stopped making those payments when XXXX contacted me asking for my Social Security Number and DOB. I have asked PHEAA several times over the years to provide me with a copy of a signed Promissory Note and as of date, I still have not received any. 

Back in XXXX, I contacted all three Credit Bureaus and had them remove PHEAA from my credit reports, which they did. It wasn't until around XXXX or XXXX, that they started garnishing my Income taxes. I contacted the Department of Education and was told that PHEAA contacted them to get my personal identifying information, which they gave. I explained to the Department of Education that those loans do not belong to me, but by that time my information had already been compromised. 

I want this company to release me from this debt that I do not owe and to be permanently removed from all three of my credit reports. 

It is not fair for me to pay off someone else 's debt.
Product: Mortgage

I got an alleged loan through Lima One Capital. The total loan was for {$100000.00}. They only gave me {$12000.00}. They kept the rest. They are trying to foreclose on my home. I need help from the CFPB to protect myself from Lima One Capital because I've been a victim of predatory lending. I paid them the twelve thousand they supposedly loaned me, and they already got the credits on the private side
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

I have spent months attempting to get Nelnet to update their records, and to stop harrassing me to " collect a debt '' that is/should be showing as XXXX XXXX XXXX ''. I've provided numerous attachments to the company, have spoken with the school, and everything is correct except for Nelnet.

This is the same issue I had in XXXX XXXX term, which was the first time I've encountered such and issue in the last XXXX  years I've been attending XXXX, but despite this being handled for that term - it looks like I'm having the exact same issue this term. I've attempted numerous times this term to resolve with Nelnet, but have received absolutely no assistance. I've also advised Nelnet that this will be the last time I attempt to resolve myself, as there are Federal protections ( listed on XXXX website ), so any additional issues such as this will be responded to with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights, under 15USC 1681section 602 states I have the right to privacy 15USC 1681 section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 
Specifically, I am disputing XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 
I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 
Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal. 
I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting

XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion is refusing to re-investigate XXXX XXXX bankruptcy XXXX. This negative information needs to be remove from my report immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX XXXX Balance : {$0.00} 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Under FCRA and 15 U.S. Code 1681 Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681o, credit reporting agencies are liable for damages resulting from the negligent failure to maintain accurate credit records and ensure compliance with the requirements of the FCRA. 

The item I am disputing is an account reported by Jefferson Capital Systems, identified under account number XXXX. This entry contains inaccuracies and is causing significant harm to my credit profile. The details of my dispute are as follows : XXXX. Unverified Balance : The account is listed as having a balance of {$7700.00} and is marked as past due. However, no supporting documentation has been provided to validate the authenticity of this debt. 
XXXX. Erroneous Status : The account is reported as Collection dating back to XX/XX/XXXX without any updates or confirmation of legitimacy. 
XXXX. Payment History Inconsistencies : The monthly payment history displays continuous C notations without adequate explanation or updates.

Under 15 U.S. Code 1681i, I request that you : Verify the accuracy of the information reported by Jefferson Capital Systems. 
Delete or correct any information that can not be substantiated. 
Provide me with all documentation that was used to verify the validity of this debt. 

If you fail to correct or remove the inaccurate information, this will constitute non-compliance with the FCRA and further civil liability under 15 U.S. Code 1681o. I reserve the right to pursue damages and legal remedies should negligence persist.

I have attached copies of my credit report with the disputed information highlighted. Additionally, I have included proof of my identity and address to assist with your investigation.

Please respond with the results of your investigation within the 30-day timeframe outlined under FCRA regulations XXXX 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I woke up this morning trying to buy food for my kids just to find out they locked my account and now talking about, I have to wait on a reference number for the 50th time in 2 months! But always wan na charge extra for the XXXX account. I asked the representative to tell my why my account is lock but they all just hangs up on me!!! I want my money out this account and this account closed!!!! I absolutely hate this bank with a passion
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : SALLIE MAE Accou nt :  XXXX  Opened on  XXXX   Amount  : {$1000.00}
Product: Credit reporting or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Product: Money transfer, virtual currency, or money service

I added {$60.00} to my Coinbase account on XX/XX/XXXX and today is XX/XX/XXXX and my money has not been added yet, it still shows pending. Theres no valid telephone number to call this company and they only respond back with general information not about ; where is my money. This company is a scam and should be shutdown. How do you have a $ XXXX company and no contact number nor any type of customer service? Clearly a scam
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. 
Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. with a similar name or address. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. 
They have agreed to remove these accounts from their records to avoid legal action. 
It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have recently become a victim of identity theft. This unauthorized use of my personal information has led to several fraudulent activities, including the opening of the unauthorized accounts : Happy Money XXXX XXXX
Product: Credit reporting or other personal consumer reports

please investigate my consumer report. i was never late. please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX  XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

my personal information has been jeopardized I didn't give permission to run my credit