23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.
Product: Debt collection

I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 dispute letters to Equifax about an unverifiable account on my credit report. The first letter was in XXXX of XXXX, followed up in XXXX of XXXX, and in XXXX of XXXX. 
After 3 months of no response from them, it is still on my credit report. There is no creditor or collection agency listed for me to try to validate this account. It is absurd that Equifax has even placed this unverifiable account on my report.
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 consumers rights to Privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have right to privacy XXXX XXXX XXXX section XXXX A. Section XXXX : it states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

The credit bureaus have engaged in multiple violations of the Fair Credit Reporting Act, including inaccurate reporting of the amount owed, failure to ensure accuracy in the information provided by the original creditor, misrepresentation of payment history, and inaccurate reporting of account status.
Product: Debt collection

ATLCAPBKSELF is a debt collection company that is based out of Texas, however I live in Florida. Thats a violation of 15 usc 1692 b ( 2 ). 
Second its a company that bought my debt without my consent which makes this identity theft. 
Last the information that they reported to the 3 credit bureaus are inaccurate. For example investigate : account #, account status, date opened, last reported, date last active, date of last payment. These columns are all inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory A
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business XXXX loan from XXXX XXXX bank and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into Equifax and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 WHITOUT MY WRITTEN INSTRUCTIONS. 
Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. I expect you to delete these negative accounts.
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 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 OF XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 
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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX, XXXX to remove the XXXX XXXX XXXX XXXX XXXX account from my credit report. the Last four digits of the account number is XXXX with a past due balance showing of XXXX dollars. I wanted them to remove and block first tech from reporting because I am the victim of identity theft and fraud. The supervisor refused to do so and got smart with me over the phone last night around XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. 

I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. 

The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. 

I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. 

I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting

This account was my XXXX XXXX that was financed and I paid if off in full XXXX 2016 they will not take it off they keep telling me that the information is accurate. It was paid along with court cost. It was a judgment so they updated the judgement as satisfied but not the original account. Also, it was a joint account and it was taken off my wife 's account.I want this deleted.
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. 

XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy and 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

We ordered an edger for my birthday ( XXXX XXXX, 2015. That day we called them and their person in that area said it 's XXXX junk and that the carborator was bad. So, we called to return it. They told us that their home delivery would come and pick it up. Then no one showed. We kept calling and kept getting different answers. Then we were told XXXX had a call tag. This was charged to my charge ( its the only thing on there ). Mind you it never worked from day one. I still do not have it picked up after buying a box for it because XXXX first said empty gas and oil. We did that, then they said the box was not firm enough. We bought a box, then he said not good enough because the box we purchased only one in our area had to be cut down and taped to fit the thing. Then, we had it sitting on our porch for almost two months. l then called and they told me its off your charge throw it away ( dispose of it ) you can listen to their recordings it 's there and i can give the guys name. I repeated him twice. Then he did remove it from my charge. I called to check on it and told the girl I was leary of throwing it out until I was sure it was off. Then she put it back on my charge. Now they are sending me another XXXX tag for the edger and want to get it back. They put it BACK ON MY CHARGE and are ruining my credit. They are now sending me another call tag U
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint regarding my XXXX XXXX  - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Nelnet Loan should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and Nelnet Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and Nelnet is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with Experian 's handling of my disputes. I have been disputing these accounts for 283 days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please UPDATE to NEVER LATE. 

XXXX ( Account # XXXX ) - This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe, and collections should not show a past due amount. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) - This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. XXXX XXXX This name is misspelled and not mine. Please delete it. XXXX XXXX This is not my legal name. Please delete it. 

XXXX XXXX - This is not my legal name. My legal name is on my photo ID which has already been provided. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.