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

For about the last 90 calendar days ever since that " Equifax Data Breech '' happened I have trying to get " Equifax '' to REMOVE an out-of-state address multiple times that I have NEVER lived at with NEGATIVE results. 
Around the middle of XX/XX/2017 I ordered my " Equifax '' credit report have the " Equifax Data Breech '' made the headline news on XXXX XXXX, etc. 
Under the " Previous Address ( es ) '' box it WRONGFULLY list that I used to live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX. '' I have NEVER even traveled to Minnesota let alone LIVED there. 
I work for the XXXX XXXX XXXX for the last 30 consecutive years. 
You have to live in the XXXX XXXX XXXX in order to be able to work for the XXXX XXXX XXXX with a valid XXXX XXXX XXXX driver 's license as I have. 
Yesterday I received ANOTHER copy of my " Equifax '' credit report with that WRONG " XXXX XXXX, Minnesota '' address STILL listed it!!!!
Product: Debt collection

Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Product: Debt collection

I was contacted by MBA law offices about an apparent health care bill that had already been closed out. I spoke with someone who continued to interrupt me when I inquired about the debts and they were quite aggressive. That said, I confirmed with the hosptial where the visit occurred who assured me that the debt / bill I had was paid in full. This is something I had confirmed prior and thankfully have the data ( i.e. banks statements ) to back this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ... ...... 

XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX ... ...... has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX time XXXX XXXX submitted email regarding a debt from original company XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This debt has XXXX other collection agencies and original company. 
XXXX agencies are not collecting on the same debt and multi reporting in the same debt affecting my XXXX XXXX further more. 

My personal information was exposed and leaked under companies XXXX XXXX. 

XXXX companies reporting and collecting on this debt. In Violation of FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 age
ncy 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: Consumer Loan

Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent out a letter requesting a letter of Goodwill to XXXXXXXX XXXX XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX XXXX was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my Experian and Transition for the month of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state XXXX party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.
Product: Debt collection

I have a case with XXXX XXXX XXXX. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****COMPLAINT****** Reporting agency reflecting inaccurate information on consumer record. Plaza Services , LLC is reflected on XXXX as a collection account on the consumers record. Consumer is not aware of any account contract/agreements with this company. Reflecting innaccurate information constitutes willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Product: Vehicle loan or lease

This car was an expensive monthly payment & because of this, it was voluntary surrendered to the the loan company which still resulted in a repossession on my credit unfortunately. This has impacted me in many negative ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted the company and police when the transaction was placed by XXXX. Plus had it removed from one Credit Bureau already. I don't understand why it's listed with Experian still. I have been a victim of XXXX XXXX Data Breach, Hud Data Breach and a Credit Bureau Data Breach among others over the past few years. XXXX recently alerted me that my ssn is on the dark web. Please help!!
Product: Credit card or prepaid card

On XXXX, I paid a {$9.00} Amazon card bill a few days late -- it was due on the XXXX. I called and explained that it was late because my daughter had XXXX, and was told the late fee ( also XXXX ) would be refunded. That {$9.00} was a recurring monthly charge, and the next time I paid early. But my next bill, for XXXX, read : XX/XX/XXXX Payment - {$9.00} XX/XX/XXXX Refund of Late Fees - {$9.00} XX/XX/XXXX Amazon XXXX - {$9.00} XXXX LATE FEE {$19.00} New Statement Balance : {$29.00} When I called, I was told that the refund only applied to my total owed and not my monthly amount due, and so I was technically late because I had not paid the first late fee before XXXX, and that I had erred by making two payments in XXXX, which the system could not handle. After being on hold for a long time, I was then told I would have to pay the XXXX late fee, even though I owed nothing at the point it was assessed!
Product: Mortgage

I am in covid forbearance and company is demanding intimate details of my loss before approving my forbearance. 
They are violating the CARES act by demanding this information and it needs to stop immediately. 

Below is documentation straight from the HUD website : XXXX for Assisting Borrowers If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. 
No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. 
This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status
Product: Debt collection

I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$4300.00} I request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report.

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws.

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay.

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I received letters in the mail about application denial about 5 of them for Wells Fargo I never applied for any cards
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I contacted all XXXX ( Transunion, XXXX, and XXXX ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and address your organizations failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( o ), which pertains to civil liability for negligence. Your non-compliance has caused harm to me, and I am requesting immediate attention and resolution of this matter. 

Details of the Issue : Nature of Non-Compliance : On XX/XX/year>, TJMaxx in XXXX, SC, offered me a credit card with the assurance that no credit check would be conducted. I was informed that I would only need to answer a few questions, and my responses would determine my eligibility for the card. However, TJMaxx failed to comply with the Fair Credit Reporting Act ( FCRA ) by not providing proper notice that applying for the card would, in fact, result in a hard inquiry and decrease of credit score on my credit report.

Shortly after, I was notified that my credit score had decreased due to the inquiry. When I addressed the issue with both an employee and a manager, I was repeatedly assured that the application process would not affect my credit score. After re-reading their credit pamphlet, they acknowledged a change in their credit terms but failed to provide proper clarification. The manager informed me they would escalate the issue, but no resolution was provided. To this day, the hard inquiry remains on my credit report, despite being assured it was invalid.

Impact on Me : This score decrease has impacted my ability to secure loan approvals, resulting in financial setbacks, damage to my creditworthiness, and considerable emotional distress.

Supporting Evidence : Attached below is a screenshot from today of my hard inquiry.

Legal Obligation Under the FCRA : Under the FCRA, TJMaxx is required to ensure accuracy, fairness, and compliance in the reporting and handling of consumer credit information. Your negligence in meeting these obligations has violated my rights and caused direct harm.

Request for Resolution : To resolve this matter, I am requesting the following : Correction of Errors : Immediately correct the inaccurate and negligent information on my credit report.

Compensation : Provide compensation for damages incurred as a result of your non-compliance.

Confirmation of Action : Notify me in writing of the actions taken to address this issue and ensure future compliance.

Failure to resolve this matter promptly may result in me taking further legal action to enforce my rights under the FCRA. I am hopeful that we can resolve this issue without the need for escalation.

Please respond to this dispute within the legally required timeframe of 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, A valued customer
Product: Vehicle loan or lease

It is being reported that payments were made for dates that they were not made. I contacted the company on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to get the information updated and I was told by their credit reporting department that what they reported is what is gon na stay there and was them hung up on. I have attached a credit report to show what you are reporting and my account statement from you, the creditor, that shows you have reported lots of inaccurate information.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Student loan

I incurred student loans while attending the University of XXXX. My student loans were serviced by Sallie Mae/Navient, who never advised me of student loan forgiveness through public service/law enforcement employment. Rather, they continuously provided deferments. Only in XXXX did I learn of the public service student loan forgiveness program from a co-worker. Subsequently, I contacted the Department of Education and asked all the criteria and details to qualify for public service student loan forgiveness. I was advised to consolidate my student loans with the Department of Education and was advised step-by-step which repayment plan to enter in order to qualify. I contacted the Department of Education several times over the next few years to make sure I was on track with the right repayment plan. The last time I called, I was told that the repayment plan I was making payments under did not qualify for the public service student loan forgiveness program. I have worked for the federal government in law enforcement for 26 years. I hold Navient responsible, but the Department of Education as well for misleading guidance and information. None of the payments I have made qualify for the student loan forgiveness program. I am XXXX years old and my student loan debt is higher than the original loan amount. In XXXX tax year, only {$4.00} went toward the principal, and even less in XXXX. This started with the O'Bama administration. I did find after researching the federal register that the O'Bama administration failed to make student loan forgiveness programs known to the public and that Congress directed that measures be taken to make the public aware of such programs. XXXX, even the Department of Education was/is remiss in its duties to make borrowers aware of the proper repayment plan. I was deceived, misled and misguided by Navient and the Department of Education about the requirements to qualify for Public Service Student Loan Forgiveness programs. My student loan debt is higher than the original amount now by about {$5000.00} to {$10000.00} dollars. Please help!
Product: Mortgage

I have a second house in Florida that % 80 paid off and have a sufficient flooding Insurence already, the mortgage company asked to have the renewed policy and charged me right away for Insurence they bought for me though I have an active insurence without give my Insurence anytime to send them the proof.