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

This is my final request about your responsibility to remove accout which is not mine. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

This collection agency sued me for a debt that is not my debt. Another collection agency had this same account, and sold it to Security Credit. Security Credit filed on my credit report that I did this in 2019. The other collection agency dropped it after I disputed that this is not my debt please remove. So, I wrote the letter after being served to the courts that this is not my debt. How this collection agency received my current information is because I constantly disputed this account that is hindering me from so many things with false information. I had to submit my ID and Social to  show that this account does not belong to me, and now they have my phone number and all of my personal information. Since I wrote the letter they are mailing letters wanting to settle, but I'm not settling for something that is not mine. I would like this removed from my credit permanently. Also, I would like the calls and letters to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX XXXX and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX Credit control service Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that when files are supplied together with an FTC fraud report, the Credut reporting agencies do not block them. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my paperwork to my attorney to begin a legal case if the Credit Bureaus decide not to block the items listed below that are reported incorrectly as a result of identity theft. Please obey the law as it is not my goal to file any legal claims. The following articles should be taken away since they were opened without my knowledge or consent and are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive sent in XXXX disputes for a particular account however they came back verified Ive asked for the documents used to verify the account and received no response Ive sent this letter on XX/XX/06 asking for verification The account by XXXX XXXX XXXX XXXX XXXX Is falsely reporting and I ask for it to be removed This account is only reporting to equifax and no other bureaus
Product: Vehicle loan or lease

I originally disputed this with JPMCB because at the time it was reported that my first missed payment was in XX/XX/XXXX.. I asked as a courtesy because it was approaching the 7 year mark if they could remove it.. not only do they not remove it they changed it to where now they moved the months of delinquency around they also moved the year around from XXXX to XXXX adding a whole another year to this purposely so that they to keep this on my record without any explanation.. you can't do that you can't report incorrect information and change it.. the facts are the facts .. they have their records that show when this was first reported delinquent.. they didn't just discover as soon as we disputed this that all of their information has or is wrong.. now going to add a whole another year and whole other months that they've never reported before and per the 7-year agreement it starts the date of the first missed payment.. I have pictures of what was reported originally and have pictures of what they purposely illegally reported I'm asking for this to be removed off my report it's long overdue and it's illegal trying to change my information just so they can purposely keep this on my report that's discrimination.. this needs to be removed on all three credit bureaus..
Product: Student loan

I contacted Aidvantage on XXXX and requested a XXXX  student loan repayment refund for all payments made since XXXX XXXX XXXX. 

I was later told that my refund request was processed on XXXX  and that it would take the Treasury department 10-12 weeks to issue me my refund through direct deposit ( the method I paid ). 

I have not seen my balance updated on Aidvantages website. It has now been 8 weeks and I called Aidvantage on XXXX following up on the status of my request. I was told that it has not been processed and that it is taking kind of long so the representative would insert a note that it should be expedited. The representative then went on to say that it may still take an additional 2-4 weeks on Aidvantages end. 

I was told initially ( XXXX ) that it would take 10-12 weeks for me to receive my refund. 
After 8 weeks why hasnt my student loan balance at least been updated and my refund sent off to the US Treasury?
Product: Debt collection

Upon checking my created report. On XXXX XXXX. And I noticed a collection from this company Jefferson Capital who l never done business with, and they are requesting XXXX and some odd XXXX. 
They claim to keep sending me mail and I'm not receiving it. This company wants me to give them my current address so they can try can legally attach this debt to me. I don't feel comfortable as a consumer to provide the company with such personal details about my self. Per the XXXX. This company Jefferson Capital is NOT licensed to collect any debts in Florida. I don't know this company and they negative reporting is hindering my ability to move and obtain a good paying job.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX  XXXX Balance : {$890.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$550.00} XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.
Product: Checking or savings account

An artist was going to pay for using one of my pictures online. Saying they would paid me for it. They sent me 2 online checks both being XXXX XXXX I deposited both Wednesday XX/XX/XXXX. They sent me more checks as wells I deposited them but this morning XXXX $ was taken out of my account saying the checks were returned. They were telling me that I had to sent money to her providers such as her art supplies provider XXXX $ and I sent more XXXX $ to others.
Product: Credit card

This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.
Product: Credit reporting or other personal consumer reports

I would like to remove these inquires on my report I did not authorize them and want them removed immediately. U.S CODE 1681 and 1602.
Product: Credit reporting or other personal consumer reports

**Their investigation did not fix an error on your report
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX  XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Product: Student loan

My student loans has been taken over by Navient, and I've always had an issue with trying to repay my loan. I've would like an affordable income driven repayment plan, but it seems all that I've ever been offered when I fill out paperwork for income driven repayment plan is to XXXX back, and this amount is what I owe for a year. All the while I know that I'm accruing another year of interest. I've spoken with Navient representatives about trying to just mail XXXX a month or something affordable and was told none of that would even go toward paying off the principle because I owe way more than that in interest every month. Another representative told me once that I should defer my loan for the next 20 years because after that it would be forgiven anyways. I've felt something is wrong with Navient ever since they took over my loan. I will never be able to pay this loan back with how high my interest rate is.
Product: Mortgage

In process of obtaining a mortgage loan, there were errors on the credit report that was obtained. We filed for bankruptcy XX/XX/XXXX and bankruptcy was discharged XX/XX/XXXX. After the bankruptcy, the credit report was obtained. The first error ; was on the XXXX mortgage stated ; foreclosure proceeding started XX/XX/XXXX ; conventional real estate loan, including purchase money first. The second error was on the XXXX mortgage, stating charged off ; XXXX mortgage. Both were filed with the bankruptcy chapter XXXX. The third error was a judgment that has a status that was NO SATISFIED, that was also filed under bankruptcy chapter XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX-present Nelnet is claiming Im responsible for loans I never applied for or authorized. Nelnet and XXXX has not done a complete investigation, I filed a police report and filed a complaint with FTC. Look into the IP address, check my signature, I did not take out these loans, benefit nor authorized them
Product: Debt collection

I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people