23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 XXXX 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Previously disputed account with XXXX asking to verify or delete because I do not recall having this debt. Account reported only by XXXX and stated as Closed account payment status of collection charge off with a credit limit of {$250.00} and last payment done XX/XX/19. Reporting account purchase by another lender. I hav not received any document stating my signature making me responsible to this debt... ..*Credit report is currently reporting account with all three bureaus and stating account as closed while derogatory and collection by XXXX while Open, derogatory and collection by XXXX and XXXX all at the same time. There is no way that account can have a balance of {$470.00} if credit limit was showing as {$250.00} Currently account is reporting as account in collection with a pass due. There should not be payment history, pass due nor late payments reporting especially on a dead account. XXXX is reporting consecutive charge off on a closed and dead account.
Product: Student loan

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of that 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 Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a Dispute letter to Equifax. Equifax received the letter on XX/XX/2023. Here is my tracking number XXXX. I send them letter to investigate the Collection account. I asked them to check it on inaccuracy. They didn't do anything and my credit report shows me the same thing. I will attach the screenshot from Equifax here. They are saying that the amount of debt was XXXX $ even, however XXXX collection agency send me a letter with an amount of XXXX XXXX I don't know who is trying to fool me but this is misleading information. The Equifax told me that the account was accurate and they didn't do anything. Please remove this collection account from Equifax credit reporting agency due to false reporting. The information between Collection agency and Equifax is not matching after investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an Experian Identity Works Premium Subscription for approximately ( XXXX ) years and pay {$19.00} a month ; Member ID XXXX. On XX/XX/XXXX I reported Identity Theft and on XX/XX/XXXX, I was contacted by XXXX a Identity Theft Resolution Professional from XXXX, ext XXXX, followed by a email with all her contact details and went over all the support I would receive because I have the " Experian XXXX Works Premium Subscription. As of today XX/XX/XXXX. XXXX I have not heard from XXXX or anyone else in the XXXX XXXX XXXX XXXX In addition, I have phoned XXXX on her extension approximately ( XXXX ) times, emailed her ( XXXX ) times, phoned and spoke with a several customer service reps, the last being XXXX XXXX XXXX who phoned that dept while I was on hold and was not able to reach XXXX or her supervisor. I have called Experian well over ( XXXX ) times since reporting Identity Theft/Fraud and have sent hundreds of documents, liaisoned with my bank and my local police dept with absolutely no help from the Membership Fraud XXXX XXXX XXXX XXXX XXXX My membership comes with a XXXX XXXX XXXX XXXX, I've been paying for since XXXX.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and these inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct it immediately in my report : XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX  XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need XXXX XXXX and an outside party to go over the conversations starting in XX/XX/2019 when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from 40 to 8 a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly
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. TransUnion 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 XXXXransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX  negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS WAS OPEN IN MY NAME I NEVER THIS COULD HAPPEN
Product: Debt collection

Related to my initial complaint against CPI. 
CPI is now threatening to sue in clear retaliation of having to remove their unfounded debt from my XXXX consumer report. 
On XX/XX/year> I received a letter threatening legal action. This is a clear act of retaliation and intimidation and an even clearer violation of the Fair Debt Collection Practices Act. 
CPI continues to harass me over this alleged debt. They have continued to fail to produce chain of ownership that they own this alleged debt. They themselves admitted they DO NOT own this debt in a recorded phone call with myself ( the consumer ) on or around XX/XX/year>. 
Citing : 15 USC 1692g & 15 USC 1692e
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Money transfer, virtual currency, or money service

I am a XXXX bank customer. Last XXXX I was caught in a XXXX scam where people impersonating XXXX scammed me out of {$5300.00}. XXXX has not helped, refunded or even returned my calls about the scam. After reading the XXXX XXXX XXXXXXXX article about how common this scam is and how banks do not help or protect customers, i'm reaching out to file a complaint.
Product: Mortgage

On or about XX/XX/2020 I received a letter from Dovenmuehle Mortgage , Inc. informing me that Dovenmuehle Mortgage company would no longer be servicing my mortgage as of XX/XX/2020 and that another servicing company would be taking over the servicing of my mortgage. All payments prior to that date would be honored, but any payments sent after that date should be sent to new servicing company. I made my XXXX payment to Dovenmuehle. On or about XX/XX/2020 I received a letter of introduction from XXXX XXXX, a DBA for XXXX XXXX  XXXX XXXX as the new servicer ; directing me to their website with a new loan number for my net payment due XX/XX/2020. Just prior to that date, I attempted to establish a online account to make my monthly mortgage payments. I was unable to do that to reasons beyond my understanding. I contacted XXXX XXXX 's customer support and they said that the account was not yet established for online access and directed me to mail a payment to XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX ; which I did through my bank 's online bill pay system on XX/XX/2020. Payment of {$1700.00} cleared my bank XX/XX/2020. On XX/XX/2020 I received a letter from Dovenmuehle retracting the service transfer and instructing me to make a payment to them for my XXXX payment. I subsequently called today, XX/XX/2020 and they suggest I contact XXXX XXXX to try and get my money back. XXXX XXXX 's customer service states that we have no record of your account, nor payment. I believe this is a direct violation of both parties fiduciary responsibilities and they should both be fined for such incompetence! Not to mention, bend over backwards to find and return my funds and ensure that my credit score does not suffer as a result of their errors!
Product: Debt collection

XXXX the original account now held by SOURCE RECEIVABLES MGT, AS COLLECTION AGENT for acct. no.XXXX is guilty of fraudulent charges regarding this account. 
This is XXXX  third agent for this fraudulent debt.The previous two were XXXX XXXX AND XXXX XXXX.EACH CREDIT BUREAU received these disputes last year at XXXX  XXXX  AND XXXX.Each bureau has deleted this same debt for the same original creditor two times and now we have a third collector who claims to know nothing of the previous disputes.
Product: Debt collection

XXXX XXXX XXXX XXXX {$210.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a {$100.00} American Express prepaid giftcard. My son 's friend got in my purse and register and put the card back. When I went to register it it had XXXX left on it. The customer srvice people said that {$98.00} was used of XXXX XXXX. They told me to call XXXX. and they said they would not help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX  XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unauthorized inquiries on my credit report. Please remove/delete
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts listed on my reports that aren't mine. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX Company responded Status Company responded on XXXX/2017Response TypeClosed with explanation Company 's Response Upon receiving your correspondence, we immeidately reached out to XXXX XXXX, Default Executive Response Specialist for assistance. XXXX XXXX attempted to reach you several times without success ; therefore, we are closing our case. 

THIS IS TYPICAL Citi answer I have called the phone number of XXXX XXXX my time and the office was closed ... Ive sent a number of emails NONE have been answered
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB claim number for Equifax. I never every said my auto loan with XXXX XXXX XXXX. I never ask for this account to be under investigation. Why is it under investigation? I never said this account was fraud or identity theft! Please take it off the investigation list its not fraud or identity theft! Please pay attention to what I text write to you. It seems like you are doing what ever you choose to. I sent for you to take off a loan from the company XXXX XXXX. XXXX XXXX. I never opened this account is the only thing that needs to be under investigation for fraud and identity theft!
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX ( open XX/XX/XXXX amount : {$9900.00} ) XXXX ( open XX/XX/XXXX amount of : XXXX ) XXXX  XXXX ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX XXXX XXXX ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX ( open XX/XX/XXXX amount : {$500.00} ) XXXX XXXX XXXX ( open XX/XX/XXXX amounts XXXX ) XXXX XXXX ( open XX/XX/XXXX amount {$370.00} ) XXXX ( open XX/XX/XXXX amount {$120.00} ) Fraudulent Credit inquiries are as follows : XXXX XXXX XXXX -XX/XX/XXXX XXXX  XXXX  -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed my incorrect public records with all XXXX credit reporting agencies as it's inaccurate.