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

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to XXXX XXXX XXXX. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, XXXX XXXX XXXX has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If XXXX XXXX XXXX does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Product: Credit reporting

Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am writing to formally address several concerns regarding the unauthorized sharing of my personal information and collections activity by your company. I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, in accordance with the provisions outlined in 15 U.S Code 6802-6805. This opt-out is effective immediately and indefinitely. 

It has come to my attention that your company has engaged in the sharing of my private information with third-party agencies without my explicit consent. This action is a blatant violation of my privacy rights as guaranteed under the Privacy Act of 1974. I want to make it unequivocally clear that I have never authorized any entity to disclose my personal information to third parties for any purpose whatsoever. 

Furthermore, I demand the immediate cessation of all collections and charge-off activities associated with my account. It is essential to note that any attempt to collect on these debts is in violation of federal law. Under IRS publication guidelines, collections and charge-off activities are considered a certificate of indebtedness, constituting income that must be reported and subsequently removed from any records. 


Thank you for your attention to this matter. I trust that you will act swiftly to rectify these violations and prevent any future breaches of my privacy rights. 

Sincerely,
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX - {$10000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX XXXX XXXX through my XXXX account. 

I received email that it needs additional information needed for Indigo Mastercard Application. They want my Driver license number and my Social Security Number and Copies of it. 

I did not open any credit card for Indigo Mastercard by XXXX XXXX 

I don't know how anyone would try opening a credit card on my name? 

I believe it maybe a scam or scammers trying to steal my information. 

I will forward the email if the government needs to further investigate these scammers. 
the email was coming from " Indigo XXXX '' They are asking to reply to : " Concora credit Inc, XXXX ''
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. Account name : XXXX XXXX XXXX XXXX : XXXX, Account name : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  : XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX : has violated my rights. XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, 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: Checking or savings account

I deposited check for someone waited funds to clear gave them cash also paid with XXXX XXXX and XXXXXXXX XXXX next day checks were fraudulent and my account XXXX negative I asked bank to start fraud charge said speak to person with checks it was XXXX he didnt have account dad is a police officer so trusted him said was XXXX gift then cleared when I went to him about fraud claimed I was lying so now I have. I more account and cant open one so Id like to press charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX  compliant or meet XXXX  requirements, Please remove items immediately!!
Product: Mortgage

I received a telephone call from a representative from J. G. Wentworth Mortgage Co. on XX/XX/2016. He asked my questions about the homes that I have been looking at. I told him that the price was {$170000.00}. He asked how much my Social Security XXXX annual salary was. I told him that it was {$17000.00}. He asked was this all my income and I said yes. He did some calculation and told me that I do n't have enough income to purchase a home. I asked him was that true for FHA and USDA. He said that my payments could not be more than {$600.00}. He told me that the most I will be able to borrow will be {$75000.00} or less.
Product: Vehicle loan or lease

In XXXX, we returned our lease vehicle to XXXX  XXXX XXXX XXXX ( RI ) that was leased through Toyota Motor Credit Corporation ( TMCC ). A few months after turning in the vehicle and being told that because we were leasing another Toyota vehicle we would not be charged any wear/tear fees, we received an invoice for {$720.00} for wear/tear/tax and other miscellaneous receivables. We fought this invoice but ended up paying the {$720.00} through XXXX XXXX XXXX and that check was cashed on XX/XX/XXXX. A few weeks ago I was contacted by XXXX XXXX XXXX stating that I owed an outstanding balance of {$260.00}. I advised them that I had cleared up my balance with Toyota and requested a copy of the bill they claim I owe. I received a " Validation of Debt '' from XXXX XXXX with a letter from them stating the balance they claim I owe and a copy of the {$720.00} invoice ( that was already paid ). I spoke to representatives at both XXXX XXXX and TMCC and neither company could verify this amount in their systems, TMCC representative XXXX on XX/XX/XXXX stated he was unable to see this remaining balance in the system and the only amount he could see was the {$720.00} that was paid. I advised both companies that I would pay the invoice if they are able to provide me with an actual invoice outlining what the charges are for. I have requested XXXX XXXX to cease and desist contact with me and my relatives and will be sending a letter to TMCC demanding a letter stating that my account is paid in full and no future collection agencies will contact me, and to update my credit bureaus, if in fact this was reported to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2018 I had deposited {$50.00} to my account. Later I attempted to withdraw {$40.00} from the ATM at this location with my prepaid AMEX-Bluebird Card which the machine indicated to contact my bank. It did not dispense any Money to ME! I went 5 miles to a XXXX to see if I could get a cash back and was told that only {$4.00} WAS ON MY CARD I called AMEX-Bluebird which the first customer service woman said Contact the bank ''. I called back moments later and received another Customer Service representative XXXX who indicated that I should not contact the bank and their Dispute Department would handle it. '' The dispute department filed a claim which I sent the necessary documentation. 
AMEX- Bluebird Investigation reply Hi XXXX XXXX XXXX We received your recent inquiry about the following transaction : We have completed our review and have determined that no credit is due. The transaction will remain on your account because : Transaction Details : Date XX/XX/2018 Amount {$43.00} From/To XXXX XXXX - XXXX VA The ATM provider confirmed the funds were dispensed for the amount requested. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$470.00} XXXX reports {$0.00} XXXX reports {$240.00} they are reporting 3 different dates of last payment on my report transunion and XXXX are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Experian and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Product: Student loan

First, I do not regcognize the total amount due of the loan. Can you please provide the original amount of the loan. The math and amortization dosent add up.
Product: Student loan

I called XXXX about 3 years ago to find out if I qualified for student loan forgiveness since I am a XXXX by profession. I have made 108 payments since I was hired in XX/XX/2009. They are telling me today they I need to reconsolidate my loan and begin the 120 payment process all over. I have never missed a payment and my loan was sold to Navient by XXXX. I am very upset about this and would like instructions on how to move forward. Do I reconsolidate? Do I get an attorney? Where do I go from here?
Product: Credit card or prepaid card

I noticed a fraudulant charge to a company i do not know of : ( XXXX ) of {$4.00} on XX/XX/19 and again of {$92.00} on XX/XX/19. I filed disputes and XXXX XXXX refunded the {$4.00}, but refused to refund the {$92.00}! They are from same company. I was given the runaround, lied to, hung up on, and completely been ignored. I was put on hold for over 65 minutes twice. They are unprofessional to say the least. I am still waiting for the paperwork they supposedly sent me. I called the compang i found online with the name on my charges and the phone numbers arent working. I am XXXX and need every penny, but they took it from me. Please help me recover my funds and make sure they cant do this again. Thanks, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX BANK, XXXX   XXXX BANK, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX  XXXX BANK, XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX, Bankruptcy : XXXX XXXX, Chapter XXXX bankruptcy XXXX.
Product: Mortgage

XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX i have been living and owing my property since XX/XX/XXXX still living in the house mortgage through u.s.bank the bank stated they gave me a modification back in XX/XX/XXXX but also i paid one of there attorney a reinstatement fee back then so i been trying to work with the bank to stay in my home since then in XX/XX/XXXX the bank said my house was in foreclosure so then i retained a mediator but the bank wanted me to pay almost 2,000 a month i could not afford that i was not making that much money with kids and also the reason i ended up with the mediator was because the bank was prolonging my modification package so therefore i ended paying the bank some money but i could not afford almost 2,000 a month so there for i kept seeking help but then the bank got to saying my house was sold so then i really could not get help i did not have any body so i went to the deeds of court and they stated i still own my house and my name is on my tax bill and deed so then i filed chapter XXXX and got the arrears down to XXXX through the plan and still made my bank payments yes i was late on 2 payments but i sent them in through the bank u.s.bank now i still can not get help from them they are still trying to foreclose i need help and more understanding the trustee lifted the stay and abandoment but i am still making my payments as of XX/XX/XXXX XXXX what can i do i do not want to lose my home.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing helped me delete these illegal accounts for my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXthanks
Product: Debt collection

LVNV Fubding LLC Has been sending me collection notices in the amount of {$870.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX   XXXX  for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Mortgage

I owned a condominium, purchased in XXXX by myself and former wife. In late XXXX, we lost the condo due to XXXX fees, due to her job loss and health issues. The property was transferred by XXXX XXXX, NY Court to a mediator, and the property was sold at auction, and subsequently transferred to the buyer ( an investment company who buys XXXX foreclosures ) in XXXX. While my mortgage company has a superior lien, they have made no effort whatsoever to enforce their lien since XXXX, and has no timetable on the plans to do so. The property is worth more than mortgage balance, so I do n't see why the lender is delaying. 
In the meantime, I have had the mortgage reported as late on my credit, as it is, since XXXX, and after foreclosure, if and when it happens, will likely remain on my credit for 7 years after, meaning I am being reported on this debt for more than 16 years, potentially. This is inhibiting my ability to purchase a home, at historically low interest rates, and will likely for some time to come, as the CRA 's are reporting the home still in foreclosure. I had the property removed by deed transfer in XXXX, yet the lender states that their lien is superior to the XXXX 's, and as such, they still hold me to the loan, despite not taking any action whatsoever to codify their lien, and in conversations with the lender, no plan or timetable in place to do so. 

I am stuck in limbo and can not do anything, except pay the loan, which I would if I could. In the interim, an investment company profits off my property, which I have no right to, per the courts, and can do nothing to get the loan off my credit report. The original mortgage broker who wrote the loan was subsequently disciplined and jailed for his actions in the mortgage business, and the original lender ( XXXX ) contracted their modification to a Company called XXXX XXXX XXXX from XXXX, FL, who only wanted more money than the current payments were. Following the XXXX foreclosure, XXXX sold the loan to Ditech, who currently holds the loan and has expressed no plan exists for them to exert their lien, nor does a timetable. Ditech blames the legal system in NY, yet they have not taken the basic step of even filing a suit, which would start the clock. Ditech did not even know I vacated the property 6 years ago and that it was foreclosed upon by the XXXX. 

Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.