23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit consulting is erroneously and illegally reporting collections on my credit report. I contacted XXXX XXXX  who confirmed all bills were paid by insurance but credit consulting is refusing to believe it. I requested them to validate these account and disputed with bureaus, but Credit Consulting just deleted one account then rereported it with a new account # and added new accounts with different # to the bureaus ... this shoudl not be legal to do please help
Product: Credit reporting or other personal consumer reports

Company/Date- XXXX  XXXX XX/XX/XXXX Company/Date- XXXX XXXX  XXXX  XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- Sunset Finance XXXXXX/XX/XXXX The fraudlent accounts listed above is not mine
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I discovered that Nelnet ( Nelnet , Inc. ) has continued to report student loan balances despite the loans having been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) who has also began reporting the same student loan balances. This erroneous double reporting has led to the doubling of my student loan balance on my credit report ( s ). When Nelnet was contacted on or about the end of XXXX with regards to the erroneous credit reporting they stated they had already been removed but failed to provide any further information with regards to the current status or when these amounts would cease to be reported and/or fall off my credit report. As of XX/XX/2024 the student loan balances from Nelnet continue to be reported by the credit agencies.
Product: Credit reporting or other personal consumer reports

Someone used my information without my permission to apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 card or prepaid card

I received a notification in XXXX that a suspicious charge had appeared on my Sears/Citibank XXXX. I called the company and confirmed that I had not used the card since XXXX. They closed out that card and issued a new card. That number was also used fraudulently. Another card was issued and the same thing happened. I called again and was told that hackers get the card numbers from merchant databases. I explained that I had NEVER used those two cards, and that the fraud had to be coming from within their company. The third time I called, I asked for the account to be cancelled and all charges reversed. I was told I would receive a new card and I said, " You do not understand me. I do not want a card. I want the account closed. '' They apparently opened a new card number, and someone is again using it. I followed up with a letter dated XXXX XXXX. I am getting billing statements for these fraudulent charges and now the overdue status has hit my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX  'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN 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 605B ( 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 XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$520.00}XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance {$770.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Balance {$490.00} XXXXXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX Balance {$720.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer.

XXXX XXXX XXXX  said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
Product: Debt collection

Scott & Associates XXXX XXXX XXXX XXXX to XXXX XXXX company sent a debt Collection notice to me and I have no knowledge of the debt nor have i ever owed anyone company this type of money nor is it on my credit report they have the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled out application online for cheap car loans . .   XXXX   compa nies did a credit check without asking my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three of the major credit bureaus with a copy of my FTC report and my police report including all of the fraud that was reported on my consumer report they have yet to take action to remove all of the items that are showing on my credit report which is causing me harm by not allowing me to obtain favorable interest rates and credit due to these negative items reporting on my credit report Due to the fair credit reporting act under USC 1681 XXXX they have a duty to uphold all fairness and correct information and they have not
Product: Vehicle loan or lease

I have a car loan for a XXXX XXXX XXXX  of XXXX dollars by credit acceptance I learned of the XXXX XXXX dollar lawsuit too late.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase & Co regarding the closure of my checking account, which had a remaining balance of {$4200.00} on XXXXXXXXXXXX XXXX XXXX 

A letter from Chase dated XXXXXXXX XXXX XXXX that I received a couple of weeks later stated they restricted my account and may close it and that the remaining balance in my checking account would be sent to me by mail. However, despite this assurance, I have not received the remaining balance. Subsequent calls to Chase to inquire about the status of my funds have been met with conflicting information and an overall lack of transparency. 

Upon contacting Chase multiple times, I was informed that an investigation was underway to determine the whereabouts of my money. However, during a call on XXXXXXXXXXXX XXXX XXXXXXXX two out of three representatives denied the existence of any investigation and falsely claimed that I had withdrawn {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX I was not able to access my online checking account app since XX/XX/XXXXXXXX XXXX Yet, the last statement I received from Chase dated XX/XX/XXXX, showed a withdrawal of my remaining balance {$4200.00}, which could not have been made by me because I already lost access to the account on XX/XX/XXXX. The third person, identified as the manager, asserted that there was indeed an investigation and that Chase decided to return the funds to the XXXX senders. 

When I requested information about the specific XXXX senders, so I could attempt to recover my money, Chase refused to provide a list and insisted that I involve a lawyer to obtain such details. I find this refusal to share crucial information concerning and believe that I have a right to know the recipients of my funds. 

I also strongly dispute Chase 's claim that my money was returned to XXXX senders, especially given the number of XXXX transactions involved. And if the money was actually sent back to some XXXX senders, which XXXX sender, and it should show up as a separate transaction for each XXXX sender instead of a one-transaction withdrawal of {$4200.00}. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure the prompt return of my {$4200.00}. 

Attached with this complaint are copies of the last statement I received, the letters from Chase, and a detailed record of the phone calls made to Chase and the visits I made to Chase branches to inquire about this since XX/XX/XXXX. I also moved from XXXX XXXX XXXX state during this time and updated my address with Chase to ensure they'd mail the check to the right place. The manager in the last phone call claimed that Chase will not send a check for my remaining balance. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely,
Product: Debt collection

There is a XXXX credit card on my credit report that I have been disputing since 2017. This debt was closed out by XXXX. The debt was purchased, without my knowledge, and I was never notified of this, by Midland Funding. 
Midland Funding never made any prior written notification to me to make payment of this debt, which I dont owe. 
I live in a secure building with a consierge and somehow someone was able to get to my apartment door and leave a legal notice. Then, two days later harassed the front desk staff who had to make him stand outside my building, and continually harassed me with phone calls even though I wasnt even home yet. The company servered back dated legal papers of XXXX that I received XXXX, suing for a little over {$580.00} at 12 % interest rate, on a closed disputed debt without any prior notice to me. They waited to serve these papers, didnt have me sign for them, making it difficult to file any court responses appropriately. The documents have no case number that I have been able to validate, it hasnt been signed by a court Clerk of any kind, and the license for this company to practice is out of Washington State. This is a clear violation of my consumer protection rights.
Product: Mortgage

In XX/XX/XXXX, my monthly mortgage amount increased. I contacted my services & asked why the increase of almost $ XXXX, they explained it was due to property taxes & suggested I make an escrow only payment, which I did pay {$1700.00} to escrow only, & to request an escrow review in order to lower my monthly mortgage payment. My escrow only payment was not applied to escrow only, I was told that in order for them to correct this, I had to pay an additional {$1300.00} to escrow only, so I did all of that. I did it over the phone, in writing, through chat with customer service, XXXX times since XX/XX/XXXX. Not only was I given the run around, they claimed it was in process for at least XXXX months, they have still as of XX/XX/XXXX yet to complete the escrow review that I requested & have again increased my monthly mortgage payment. 
My property taxes are {$6300.00}, my insurance is {$1100.00} & my monthly escrow payment is {$980.00}, which ends up being {$11000.00} a year. This is {$4300.00} over the total of my property tax & insurance.
Product: Credit reporting or other personal consumer reports

I noticed a bankruptcy record on my credit report that doesnt belong to me. This might be a case of identity theft or fraud, and Im worried about how this incorrect information could be affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Vehicle loan or lease

I was left a phone message indicating I have to call Bank of America back urgently! The phone number was XXXX to speak to XXXX. She didnt even know why she had left a message. She kept harassing me about my personal information. She was mad That I didnt want to give my personal information and social security number. Finally she indicated something about a car loan. I dont even have a car. Bank of America should stop scamming people. This fraud, Harassing people of car loans when they take public transit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and the collection agency XXXX  are in violation of the FCRA and FDCPA. The company has not responded to my letter yet alone send the forward flow agreement for the account. Transunion replied to complaint XXXX stating the account was updated when I requested a deletion due to FCRA and FDCPA violations. I need to see where you're getting this information from because I don't believe that you ever reached out to the creditor. Remove this account immediately : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX. See attached the letter that was sent to the collection agency which is dated and time stamped. If you can not provide validation of this account since the company has failed to do so remove this account or I will seek legal action.
Product: Debt collection

These companies are violating my privacy rights sharing my personal information without my consent ( 5 USC 552 ( a ) ( 16 CFR 313.7 -433.2- 433.3 ) these companies reporting I owe then funds without the proof Im requesting and I think they committed identity theft and fraud with sharing my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Collection was placed on my credit file without consent when I had insurance at the time of billing.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX survivor these accounts aren't mine please help me XXXX  XXXX XXXXXXXX XXXX XXXX Genesis Credit Management
Product: Vehicle loan or lease

Car was repossessed in XXXX or XXXXXXXX XXXX XXXXXXXX after speaking with several of the representatives about a payment arrangement. Payment arrangements were set in place, but unable to fill due to a lost of a job which was also information that I provided to the loan company. I had a XXXX  at the end of XXXX which caused me to fall behind but because of my consistent payments I was able to " skip '' a month per the loan company 's terms, but in all actuality it was just added to the end of my agreement. Everything was fine and communication was wonderful until XXXX when my car was repossessed in the middle of the night.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Central Portfolio Control Inc. has twice violated law by not providing evidence of a material response and opportunity to validate my debt before reporting it to credit bureaus. No response in previous complaint filed here in a response to my previous disputes and screenshots submitted on XX/XX/XXXX in response to their XX/XX/XXXX letter. No response was provided within 30 days, and did not respond within 5 days of their investigation. They did not respond at all and only responded in this portal on XXXX. In a call on XXXX they did not deny receiving the responses in XXXX, but rather explained the DEBT HAD BEEN SENT TO THE CREDIT BUREAUS BEFORE THE DISPUTE LETTER WAS SENT TO ME AND THE REASON WHY IM SEEING IT NOW IS BECAUSE THEY TOOK SO LONG, and my response does not stop their ability to file the debt -- -not responding to the letters were not addressed, and I again note not provided in the XX/XX/XXXX complaint here in consumer finance.

2. Central Portfolio Inc. did not provide material evidence of a valid debt from an original medical facility. They provided a claim from an insurance company and some sort of payment information to another party. Neither of whom provided a medical service with no identifying information from a facility. Nor information of my signature receiving services from facility. In an XXXX phone call another facility other than who was provided was named and they were unable to provide a contact name or phone number to track the debt. They screened for identifying information they did not have and aggressively attempted to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some derogatory information on my credit report that is not correct and is having a severe effect on my personal well being and also destroying any access that I might have to a better quality of life. I have being denied housing because of false and misleading information given to potential lenders and items having to do with finance. The things that Ive been disputing is XXXX and XXXX. XXXX  have been reporting some incorrect information in regards to my payment history that my files show that theyre incorrect. I have written to XXXX many times to correct the problem and they have always refused to answer. When I write to the credit reporting bureaus they would say that it is verified. So they are obviously playing a game on the consumers. 2. XXXX : The charge card that I had from XXXX had a limit of XXXX dollars, on my credit report theyre say8ng it was XXXX. So clearly this account is not mine. I have also written to XXXX many times and they have never write be back nor send me any information to validate the account. When I dispute this problem with the credit reporting agencies they send me back a letter sometimes quicker than a week or XXXX saying the account is verified. Clearly they dont do the proper investigation and this is a heap of XXXX that needs to stop.
Product: Debt collection

XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX & Experian 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX TX 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.