23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

REMOVE INMEDIATLY THESE FRAUDULENTS ACCOUNT TO EXPERIAN : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR TWO TIME I MAKE FTC REPORT FOR BOTH ACCOUNT IS NO MINE, IS OPEN FRAUDULENTLY AND I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem, THE DONT PROVIDE TO ME ANY DOCUMENT UNDER MY NAME, THIS IS A VIOLATION TO MY RIGHT where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from the both company XXXX XXXX XXXXXXXX and XXXX XXXX XXXX with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Equifax XXXX : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX  XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?
Product: Student loan

I called my federal student loan provider Great Lakes to confirm about item # XXXX : I 'm thinking of serving as a XXXX XXXX or XXXX volunteer and plan to request a deferment or forbearance on my Direct Loans. If I 'm not making payments during my service period, can I receive credit toward PSLF? 
The customer service agent ( I believe her name was XXXX ) stated to me that I would not be able to received credits PSLF, even though under the federal government its stated otherwise. The agent stated that I would need to make 12 separate payments and that I am not able to make the lump slums payment and received the credit for PSLF. 
I am extremely frustrated because, I am a hard working student working to keep up with my student loans and more importantly be smart with payment in order to receive PSLF credits during my services as an XXXX volunteer. I would like for Great Lakes to invest in honest and fair business practices. I do not think this institution should be acting as private money-hungry bank center. I also believe, the federal government needs to do a better job making sure that these private sector they partner with are honest and are in compliance with federal regulations. I am going to call them again with an attorney on the other line to process this request. It 's unfortunate that hard working citizens of this country have to go this far to get a fair treatment.
Product: Debt collection

To whom it may concern, I recently received a copy of my credit report, I am concerned about the accuracy of the report. Please investigate. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Failure to adhere is a violation and shall result in deletion of such accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719XXXXXXXX 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 n 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 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 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 n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This debt was paid years ago. When the agency contacted me I informed them of this and asked them to contact their customer, verify the debt and send it to me in writing. They continued to contact me and I advised them they were in violation of FDCPA. I again requested that they not contact me and verify the debt. This information was also reported as negative on my credit history causing me difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized account and inquiries appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, XXXX, and Equifax to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Product: Checking or savings account

My banking information was stolen. I notified the bank and cancelled my cards. I disputed the transaction and the bank replaced the funds. And the. 30 days later reapplied the fraudulent funds and closed my accounts. This incident started in XX/XX/year>.
Product: Debt collection

This company bought a small debt to a credit card, they have been keeping calling with treating and sending letters.
Product: Debt collection

my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, midland funding took over a credit debt back in 2008 and we went to court and midland funding told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm XXXX hired by midland funding has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account PAID IN FULL!!!!!!!!!!!
Product: Debt collection

On XX/XX/2022 I began receiving advertisements in the mail for debt resolution. In one of these advertisements, I learned that I was being sued by Velocity InvestmentsXXXX for an unspecified debt. I looked up the case number provided and learned that this suit was filed on XX/XX/2022. I have never received any documentation from Velocity InvestmentsXXXX regarding any debt. I was never served any documents regarding this suit. I have reviewed my credit report and have no collection from Velocity InvestmentsXXXX XXXX I have attempted to recieve more information with help from my lawyer.
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

XXXX XXXX alerted me that i had a collection..i never got a bill or notification of this debt..i have signed nothing with this company.. I owe this company nothing..phoenix financial services..opened XX/XX/2019..
Product: Debt collection

Disputed with the company on XX/XX/2021. Company received my dispute on XX/XX/2021. It is now XX/XX/2021 and I have yet to hear anything back from the company. The FCRA gives the company 30 days to respond and I haven't gotten a response for this medical bill
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Account : XXXX XXXX XXXXXX/XX/XXXX# XXXX Account : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Account : XXXX XXXX XX/XX/XXXXXXXX Account :XX/XX/XXXXXX/XX/XXXXXXXX # XXXX
Product: Checking or savings account

I would like a full reimbursement of funds to my account. XXXX XXXX have been illegally charging me hundreds of overdraft fees over the last few years and I want all my money back with a little interest. I have been getting charged weekly overdraft fees.
Product: Debt collection

I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.
Product: Debt collection

I received a automated phone from XXXX XXXX XXXX   company phone number XXXX XXXX XXXX in regards to a old debt past 7 years and asked me to press 1 to speak to an agent which I did. 

Mrs XXXX answered and tried to collect on a HSBC debt from more then 7 years ago. I advised her that I am under Bankruptcy protection filed in the state of Texas and she need to speak with my Attorney and then she started to threaten to file a law suit after which she disconnected the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a letter and documents needed to correct the personal information on my consumer credit file. I have contacted them directly to correct this. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report has been flagged for a suspicious student loan that is not mine! This student loan is in the amount of over XXXX. I do not have a student loan with the " Department of Education '' nor do I have a student loan with " Nelnet ''. Both of these student loans keep showing up on my credit report. I have been disputing these loans for years. I have made a fraud alert on all three credit bureaus as well as alerting the credit bureaus of this fraudulent error. These student loans are not in my name. XXXX XXXX XXXX who is the sole owner of the social security number XXXX My DOB is XXXX. I have no student loans with any school or college. And this is not my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date 2020 yr to date. Experance is the score and company that need look for reasons of not updating my info/ score. My score is XXXX on the other two companies reported to. They are not updating my info right like the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and XXXX have reached out to Experian, XXXX and XXXX and nothing has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
Product: Mortgage

My mortgage company are being deceptive. I grouo emailed my insurance company and mortgage company my pictures and invoice of my roof being replaced. Almost {$2000.00} out of my pocket. Water has been getting into my roof. The insurance company verifed recieving the documents. Vanderbuilt said they have not recieved it. I have proof that they received it. They are very mean to me. The manager XXXX and a few others are unfair when it comes to handling my claim. Paying out of pocket has put me in a financial hardship. Vanderbuilt mortgage out of Tennessee.
Product: Debt collection

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have sent 7 dispute letters to XXXX transunion and XXXX Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX transunion and XXXX are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX  account # XXXX balance {$170.00} ( XXXX. XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. ) XXXX XXXX XXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXXXXXX XXXX acount # XXXX balance {$15000.00} please delete these accounts within 4business days of receiving this complaint.