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

Subject : Request for Immediate Removal of Fraudulent Debt and Violation of Consumer Rights To Whom It May Concern, I am writing to express my frustration and disappointment with the handling of the XXXX account on my credit report. I have repeatedly asked for debt validation for this account, but XXXX. XXXX XXXX ( XXXX XXXX XXXX ) has failed to provide any evidence of the debt or its validity, despite the fact that more than 30 days have passed. What is equally troubling is that XXXX and Equifax have verified this debt without providing me with the required details of your verification process, and you have failed to uphold my consumer rights as required under the law. 

Under the Fair Credit Reporting Act ( FCRA ) Section 1681i, you are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. How could you possibly complete an investigation when the debt collector has not provided any proof of the debt or its ability to collect on it? This is a clear violation of my rights as a consumer. Furthermore, I have provided an FTC Identity Theft Report, which clearly shows this account as part of my identity theft claim. According to FCRA Section 605B, XXXX and Equifax were legally obligated to block this fraudulent account from my credit report within 4 days of receiving this report, but instead, you ignored the law and chose to forward the dispute to the collection agency, allowing them to verify a debt that they are legally required to validate. 

You have allowed a fraudulent debt to remain on my credit report and have not adhered to the law that protects me as a consumer. The debt collection agency in question is not complying with their own legal obligations, which raises the question : how can you expect them to accurately verify a debt that they havent validated in over 30 days? Furthermore, I find it completely unacceptable that XXXX and Equifax have not done its part to protect me as a consumer. How have you kept me safe as required by law? 

I demand that you immediately remove this account from my credit report. You are in violation of my rights under the FCRA, Fair Debt Collection Practices Act ( FDCPA ), and Regulation V, and if this issue is not resolved promptly, I will pursue legal action for damages caused by your failure to adhere to the law. This includes potential claims for emotional distress, reputational damage, and any financial harm caused by this inaccurate reporting. 

You are legally required to respond to this request within 15 days of receipt of this letter. Failure to do so will result in further legal action to address these violations. Please consider this letter a formal notice of my intention to seek damages if this issue is not rectified. 

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

On XX/XX/XXXX I called to report my bankruptcy charge was incorrect on the date of discharge. Then I was told my name was incorrect on the file, when I tried to correct it I was told a run around statement. Starting with them telling me they got my information from reporting agencies and then telling me to correct it by sending in my DL copy and SS card copy. After being a victim of a data breach I do not feel comfortable with that and also told them that my creditors had my name right and they needed to fix there problem. After fighting with a supervisor over this that had broken english, he then hung up on me.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : Convergent / Acc. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I Don't exactly know what happened my self. I went to bed last night, when I woke up i looked at my emails like i do every morning and someone applied 9 times to net credit with my social and all of them got declined, well at XXXX XXXX XXXX i got an email from XXXX XXXX, stating that my social is being tracked and on top of that i got a second email about 30 seconds later stating that today I pulled out a payday loan which is impossible, because i was asleep and in bed, I've tried reporting the last 2 weeks because i keep getting email after email that someone's been applying for loans in my name and well this morning they got one and i need URGENT HELP, as of this morning it says there was a loan pulled in my name and I've never even got one. I DONT KNOW WHAT TO DO AND I NEED URGENT HELP!! please contact me back at XXXX asap.
Product: Checking or savings account

On XX/XX/XXXX, I logged into my US Bank account to see where i was with my balance, etc. and because I usually pay by phone, to see what had cleared my account. I noticed a strange withdrawal of {$1900.00} on XX/XX/XXXX. I knew I hadn't made any payments in that amount, and I became worried that I had been hacked. I scrolled back to the previous month and to my shock, there was another withdrawal of {$2900.00} on XX/XX/XXXX to a person named XXXX XXXX, again knowing I had not made any payment in that amount, either. I don't know anyone named XXXX XXXX!! I noticed that the address on the front of the check ( it was NOT one of my personal checks, btw but rather some kind of typed up check that in the Memo section of the check it says " Allowance '' and it shows on the bottom right hand corner " signature on file '' ) was on the made payable to the order of XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, yet, it was signed by this XXXX XXXX and deposited in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an account number of XXXX, and a phone number for their " Operations Department '' of XXXX, I immediately called US Bank and they referred me to their " Fraud Liaison Center. '' at XXXX and they established case # XXXX. I was told I had to go into the branch office near my home and fill out two affadavits and a customer statement, which I did the next day. I filled out all the paperwork and was told to email them to XXXX, which I did upon leaving the bank. I was also told that it was my responsibility to call back to check with them on the status and that it would be resolved with 7 to 10 business days. I did indeed call back and have called back multiple times to check on this and no one could give me any answers. Then I received a letter from the US Bank Digital Claim Services saying that my claim XXXX ( {$1900.00} ) and claim XXXX, they stated " during our investigation, we determined the transaction posted as requested, therefore your claim has been denied. I don't know how they " determined '' that- they provided no explanation of how it was determined, only that I had the right to requests the documents used in their investigation, and to call XXXX to get copies of those documents. I called the number and was put on hold for 15 minutes, at which time I was disconnected, without ever talking to anyone. As you can imagine, this whole process has been devastating, shocking, frustrating. I need that money for bills and my son 's tuition! I've been banking with US Bank for over a decade and have never had anything like this happen before. How can they jus deny me the money that was rightfully mine, that I in good faith entrusted in their care??? Please help me. I'm still in disbelief that they can treat a loyal customer this way and that I have to just accept that someone hacked nearly {$5000.00} from me and they do nothing??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.
Product: Vehicle loan or lease

I have repeatedly filed disputes with Santander for inaccurate reporting of this debt. 

The car was repossessed by Santander in XXXX and sold at auction by Santander in early XXXX. 

Santander is incorrectly reporting that the account is currently no being paid it reports 72 charge offs. 

Unfortunately I cant access the paperwork showing the repo date because all of my paperwork with them was electronic.
Product: Credit reporting

Please note I have contacted the company regarding this and they passed the blame back to XXXX. Please see case # XXXX against XXXX. Please also note that i would have also filed a dispute on my credit file had i known what to dispute as you will find attached i have a copy of my transunion credit report and there is no information on it that suggests I have an installment loan so I really have no way to file a dispute with transunion. I have found that these reason codes are in fact generated by transunion. All I want to know is what installment loan are you referring to with reason code XXXX " lack of recent installment loan information '' but nobody seems to want to tell me what non existent installment loan I have. Do I really need to take you and XXXX to small claims court for hiding information and sharing false information thereby fraudulently affecting my credit which in turn could cause any number of negative affects over years, just because you guys refuse to tell me what " lack of recent installment loan information '' means when I do n't in fact have an installment loan
Product: Student loan

I called on Tuesday, XX/XX/2024 about the status on my account being corrected. The Mohela representative said that my account WAS updated to show that I was on the SAVE {$0.00} plan all last year and through XXXX this year so I DID NOT owe any money last year so I could request a refund of the extra payments I made. However, the next day, XX/XX/2024 I see my account is now showing that I owe {$100.00} and it's past due. So I called on Thursday, XX/XX/2024 to ask why my account was showing this. The Mohela representative said that my account DID NOT show as the {$0.00} SAVE plan for last XXXX and XXXX and the request for refund placed my account in delinquency. And is past due by 83 days already since that payment was in XXXX. Their finance department caught the error and cancelled the refund but now it will take them 23 days for them to show it correctly on my profile. If they take the full 23 days, my account will go automatically in a forbearance and hurt my PSLF count, even though it was Mohela 's fault for providing incorrect information. I'm very frustrated with Mohela, they never provide the correct information and it takes months to correct my account for things they did wrong.
Product: Debt collection

I filed a complaint requesting validation of debt by collection agency. In the request I am requesting the assignment contract agreement I was sent an copy of a loan Agreemnt and Installment note. Which is not what I asked for I need a copy of the assignment contract. 

A loan agreement is not the same as an assignment contract. A loan agreement outlines the terms of a loan between a lender and borrower, while an assignment contract is the document used to transfer rights and obligations under existing contract. 

Like an loan agreement to a third party, essentially allowing one party to assign their role in the contract to someone else. 

PLEASE. PROVIDE ME WITH THE ASSIGNMENT CONTRACT. NO OTHER DOCUMENTS ARE NEEDED TO PROVIDE YOU PLAZA SERVICES LLC HAS THE RIGHT TO COLLECT ALLEGED DEBT. 

If not provided I will forward this complaint on over to a Legal Repesentative Attorney FDCPA under 15 USC 1692g
Product: Debt collection

On XX/XX/23 I bought a duffel bag at an XXXX  sports somewhere in Missouri To check out XXXX card sold applying for a credit card I can save {$15.00} I declined because I didnt want to bother with it. She said it wouldnt be a bother. I could apply for the card today be approved but the item on my credit card and then pay off the credit card today and Id never get a bill. 

Regretfully I did Ive talked with the companies XXXX XXXX XXXX XXXX fraud department store manager Ive talked with Comenity Bank numerous time. They used to call me every week or so. 

I have a letter or an email from the XXXX XXXX  store manager that he has reviewed the security tape and he saw that I paid for the bag XXXX  bank says that they do not accept that, theyve been adding a {$40.00} late fee every month and other baloney charges When Ive told them, I believe a judge will take my side in this they seem to know they didnt quite laugh in my face, but they seem amused, and they told me to contact the lawyer Is there go to phrase whenever I contact them? I need to contact the lawyer that I need to contact the lawyer, or that I should talk to a lawyer about this and see what the lawyer tells me I believe they bank two things one they cost more for me to hire a lawyer to fight this then the debt is As last I checked, the debt was up to a little over {$300.00} and they would settle for {$180.00} It was about {$100.00} bag and with a {$15.00} discount it was about XXXX or XXXX which I paid I already paid it They are breaking a law because theyre notifying the credit bureau that Im delinquent when Im not that is illegal Yes, I have told them that they are illegally harming my credit by reporting a debt that I do not owe They just go back to their key phrase or their favorite thing to say and that is that I need to contact the lawyer and see what he or she says about it I sent them a registered letter with a copy of the email printed out from the store Director or storage manager saying that he has reviewed the security tape and he saw it that I paid for it and I do not owe for the bag I brought in the letter that they need to not only stop reporting me as delinquent to the credit XXXX, but they need to tell the credit bureau that I am paid in full and to retract the black eyes they have delivered to my credit report Please help me with this XXXX is my phone number your permission to leave a voicemail if you are unable to get a hold of me I wear a hands-free headset and Im usually available when Im dealing with a client or something of that nature. 

Im XXXX  XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thats not my situation!
Product: Mortgage

In complaint XXXX, the company agreed to report the account, which was timely paid under a trial plan, as current. The exact words : " MidFirst has requested the credit reporting agencies to which it reports to revise the credit for the consumer to show the loan paid-as-agreed for the months of XX/XX/XXXX through XX/XX/XXXX. MidFirst has not received any communications in response to this request and, because it thinks that the credit revision resolves the consumers concerns, has not planned any follow up action in response to the complaint. '' On or about XX/XX/XXXX, the action described above was taken on all three credit bureaus. 

However, Midland has now reversed course and worse. As of today, XX/XX/XXXX, Midland reported numerous >90 past due for XXXX, PLUS it has failed to record the timely-paid XXXX and XX/XX/XXXX payments to the loan, and added a note that claims that I am not paying the loan because I am " affected by a natural disaster. '' This reversion to the history presently appears in my XXXX  report, and the other two reports include the refusal to report my timely XXXX and XX/XX/XXXX payments and the notation that I am not paying the loan because I am " affected by a natural disaster. '' I attach proof of Midland 's reneg on its previous commitment as well as proof of timely payments and a copy of the previous complaint and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with US Bank and they charged off. This summer ( 2020 ) I was able to settle these accounts and pay the agreed payoff terms. US Bank said they would report the XXXX balance to the credit bureaus but despite multiple calls from myself to fix the incorrect balance, they have not adjusted the reported balance. In fact, they have increased the amount owed! Again, I have called many times over the past few months and asked them to correct this error and they keep assuring me it will be done within 30 days. Meanwhile, my credit scores are plummeting every month as they continue to report a balance owed in addition to adding on to the balance reporting to the bureaus!
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some accounts have inaccuracies in reporting, with wrong amounts and dates.
Product: Checking or savings account

Spoke to supervisor XXXX and she is in incompetent to fix my issue. I want to make a transfer and system wont allow me.
Product: Debt collection

Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax 's Company Response to my complaint : " Thank you for submitting your complaint on [ Date ] through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints. We apologize for the difficulty you experienced in trying to obtain your Free Credit file online. Equifax has mailed a copy of the credit file to you. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. Only received a Dispute response. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.
Product: Prepaid card

Unemployment claims were fraudulent open in my name with my actual em ployer someone accessed my unemployment back in 2020 while I was in the XXXX XXXX XXXX XXXX a total of XXXX from the time period of XXXX to XXXX without my knowledge I've filed reports with unemployment and I was told to dispute and put in claim with back of America and they have done nothing but deny me several times unemployment doesn't want to take responsibility or bank of America prepaid services
Product: Checking or savings account

Cash app is the worst bank ever it was good in the beginning but now completely XXXX recently I filed a dispute for a hotel to which I contact the XXXX XXXXXXXX, and I received XXXX XXXX from cash app for the XXXX XXXX direct deposit which I filed the dispute they close my card to where I couldn't use any of the boosts, and my XXXXXXXX XXXX  expired because the dispute team is slow, and didn't work on the claim bascially waist of time, and had file a whole new one cause they were to lazy to do the first one which cost me to lose my XXXX XXXX reward, and other factors to where I sent them all the proof they need and still denied it, and close my because for the some reason worst cheap bank ever. 
I sent the required info everything they need still denied it, charging my account with transfer fees, and also giving me false information. The date I did dispute is XX/XX/ The last four account number is XXXX I contacted a representative after I lost my XXXX XXXX voucher, sent them proof of hotel willing to give me my money back, and still says they cant help me.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX of XXXX  its reporting of a balance of XXXX for a personal loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.