23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This company has claimed that I took out a ~ {$2000.00} loan from a separate business, then they bought the debt from them. The account is 9 years 8 months old, supposedly opened in XXXX, and they are continually reporting to my credit report as missing payments. They are reporting to my credit report as an " unsecured loan '', and have been doing so for almost 10 years now. Also, I didn't start getting letters in the mail until I started disputing the account on my credit report. I did not open this account, and I have told them this repeatedly. My credentials were used on my behalf without my knowledge while I was XXXX overseas, and didn't find out about it until much later. 

Regardless, the statute of limitations on debt in Texas ( which is where this company is based ) is 4 years. No action has been taken to recover this " debt '' outside of sending me random letters every couple of months or so. I've disputed it many times over the years already. It's absolutely appalling how they have been able to hijack my credit for almost 10 years now with no resolution in sight. At 7 years, if it was reported properly as a collections debt, this would have dropped off by now and I wouldn't even need to continually contest it on my credit report, which I do every chance I get. But it wasn't, and it hasn't. When I've requested to have it investigated, all they send me is a packet in the mail with the account documents. No help. No " let 's figure this out ''. Nothing. They've stuck it on my report as a " loan '' for almost TEN YEARS and stopped reporting any activity many years ago, in XXXX when I got back from XXXX and eliminated the automatic withdrawing from my account once I realized what had happened. So it's been on my report all this time, sitting there gaining interest, yet no effort to actually properly report accurate data. This is wrong, immoral, and a horrible business practice. The statute of limitations has long passed ( no matter which state you're in ). They have not made any attempts to recover this debt through collections within the time the statute allows. I don't even care about proving that it wasn't me anymore. This has gone on long enough. A decade. A FULL DECADE. 

I wish for them to remove my account from their system, drop this debt from my credit report, and stop harassing me. I have already made multiple complaints across any platform that will take them, including the XXXX and the credit agencies.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the Grad Plus Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX a Notice of Dispute was delivered to EXPERIAN INFORMATION SOLUTIONS requesting them to reinvestigation inaccurate information that I have been seeing in my consumer disclosure reports. EXPERIAN INFORMATION SOLUTIONS has been holding my Notice of Dispute letter with no status, updates, or sign to reinvestigate the inaccuracies I have brought to their attention for 16 days now. I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( a ) of the FCRA. I am aware that consumer reporting agencies are required to reinvestigate consumer reports in a timely manner otherwise, it would be a violation of the Fair Credit Reporting Act 15 USC 1681 leaving consumer reporting agencies liable per 15 USC 1681n Civil liability.
Product: Debt collection

Today, Monday, XX/XX/XXXX I received a writ of garnishment in the mail for a balance that I am unaware of. I contacted the collection agency ( Levy Lawfirms ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with XXXX XXXX XXXX  in the amount of {$6300.00} and then with XXXX XXXX XXXX and a judgement was entered against me in XXXX and that Levy Lawfirms had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my account.
Product: Debt collection

In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out. 

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had a XXXX balance on my Self credit card and have been a customer for over XXXX years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that Self has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.
Product: Student loan

XXXX payment for " loan XXXX '' made of the amount {$4800.00} with confirmation number for Mohela of : XXXX. Payment made online from personal bank account XXXX amount of {$4800.00} was withdrawn from personal bank account with description of " XXXX XXXX XXXX XXXX '' XXXX Sent message to Mohela and attempted to call during business hours. Have been on hold for XXXX hours with no representative able to discuss. Interest has been accruing on loan the entire time. No payment is shown in that amount from XX/XX/year> on online account.
Product: Mortgage

I have attempted to get my mortgage lender to call me about ways to help lower my payment using the FHA streamline refinance, as well as after paying my escrow balance current to do an escrow reanalysis to see if it would lower my escrow payment at all so that my monthly mortgage payment would be more attainable. After several calls to them, and requesting several calls from my lender they do not call me back at all. Their automated system is confusing and convoluted to get an associate on the phone which makes it impossible to even work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Product: Debt collection

This letter is response to your correspondence concerning the above referenced account. I moved from the city of XXXX XX/XX/2011 and the account was closed. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX   County in XXXX of 2017. I have made multiple attempt to contact Freedom Mortgage and have made multiple attempts to retrieve information from Freedom Mortgage in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at Freedom Mortgage, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. Freedom Mortgage has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

Freedom Mortgage has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact Freedom Mortgage to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with Freedom Mortgage indicating that I should not be held accountable for the loan. Freedom Mortgage may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to Freedom Mortgages negligence in this matter my reputation has also been damaged. Freedom Mortgages performance deficiency has caused additional damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I signed into my XXXX account to place order of their credit monitoring and score from all 3 bureaus. When I " purchased '' product there was an error message to the summation that XXXX was unable to satisfy request because Equifax will not release credit file/score to them. 

At that point I call XXXX to get clarification, and was told to call Equifax to see what the issue is on their end, as they were the one blocking. I called Equifax, and a representative verified my identity, and checked my file stating " there was no block or fraud alert '' on file that would indicate not to release my file. that day I just gave up. 

XXXX XXXX, I tried to purchase XXXX product AGAIN, same result with Equifax will not allow XXXX to obtain necessary information from Equifax. I spoke with 2 XXXX representatives this day and they both said Equifax is blocking their access to my file. That I must call Equifax to " release file and report to XXXX '' so that I can get my score/report. Each XXXX said on their end they see an 'error code ' that indicates equifax will not let my purchase go thru 'due to possible fraudulent or misused account ... ' I have never had this issue before with XXXX, I have had this service before in previous year ( s ).  This is a first! 

I called Equifax 2 that morning XXXX XXXX XXXX ) after talks with representative, laying out the issue. Equifax rep, verified my identity, checking file to make sure no block. Then Rep # 1 said she did not see any blocks on file, she can send me report in mail ( I agreed ), but can need to call Equifax at their XXXX number for more help. 

Equifax rep # 2, verified and also saw no blocks on my file but said I could get my score from " another provider that I can get XXXX Equifax score from ''. I told him, " I just wanted to use XXXX ( I had account and used in previous years without issue ) and order all 3 at once. And if I ca n't get my score/report from XXXX, would n't same issue occur with any other provider? '' Rep # 2, reverted to him not seeing any blocks on my file. Rep 2, said to have XXXX call Equifax Business Customer line to sort this out. ( XXXX said they do not call bureaus to request consumers files/scores as it would be outside their practices. ) Rep # 2, I had asked to speak to higher up in Equifax that I can speak too, " ma'am, we all have access to same database. '' Then I offered a 3 way call, I can add XXXX to call, he said they do n't do that ( by-golly ). Well what is it that they do, do?? 

After about 5-10minutes about issue in past 30+ days with Equifax , I am done playing ping pong, as to whose responsible for blocking my file. Clearly Equifax has something in their system or other issue not allowing consented request by me, and they seem to have NO answer or higher up assistance offered to consumers for issues like this. At that point do we as consumers email their company President?? We do n't know.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

On XXXX/XXXX/XXXX  I received a debt collection notification on my XXXX account from a debt collector called Columbia Debt Recover with a balance of {$6900.00} from an apartment complex in XXXX XXXX Called XXXX  at XXXX. I live in XXXX Texas and this is the XXXX time I have to dispute a debt from a fraudster leasing apartments using my personal information in the XXXX XXXX area. I have active fraud alerts and Credit freezes in place on all bureaus. I have even setup an voicemail greeting explaining this situation to possible creditors who my try to contact me so they Deny any applicant attempting to use me personal information. 
Please remove this debt collection from my credit report ASAP.
Product: Credit reporting

After reviewing all XXXX credit reports, I noticed that XXXX 's Collection Agency named XXXX had me placed for collection on XX/XX/XXXX which I do not recall authorizing. I am under the impression that they should n't be allowed to put an inquiry on my file unless I have authorized it. It has been paid as of XX/XX/XXXX. I feel that due to the fact that it was not authorized and it is satisfied that it is about time that it is removed from my report. It is making it difficult for me to bring back my credit back to good health. Please help me if you can. Thank you for your time and consideration!