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

Since XX/XX/XXXX, XXXX XXXX XXXX, a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my XXXX credit report an amount of {$410.00}. I have disputed this account with XXXX and was told by them that they verified this account as being mine, which it 's not. As instructed on the XXXX investigation report, I have called XXXX at the number provided on the credit report numerous times to dispute this matter using the account number provided by XXXX which appears on the investigation report. For my own protection, I am refusing to give XXXX any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided XXXX with the account number, my name and address to verify my identity to them as it appears on my XXXX report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile, XXXX refuses to discuss this account with me because I refuse to give them the last 4 digits of my Social Security number, citing privacy protection. After their many attempts to justify their reason of needing my social security number to identify me they used one of their internal systems to access my name and number through their system and asked me to confirm the last four digits of my SS # which the agent named " XXXX '' said she had my full social security number in front of her as proof that XXXX performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told XXXX, I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities. Also, inany of my disputes neither XXXX nor XXXX has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with XXXX, no contracts, no signed agreements, no nothing. On XX/XX/XXXX, I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because XXXX has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in XX/XX/XXXX, date opened, XX/XX/XXXX and have been reporting this since XX/XX/XXXX, creating numerous erroneous inquiries among my other credit reports ( i.e. Transunion, XXXX XXXX XXXX  XXXX ), as well. I pray you can help me get this sorted out. Thank you.
Product: Student loan

In XX/XX/XXXX I began receiving federal student loans to help pay for college. I initially received my loans through XXXX XXXX. At some point in the last 5 or so years, Navient bought my loans and I began to pay them. I believe this complains is aimed at Navient. I worked as a XXXX XXXX for the County of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time I was making my student loan payments under the impression that I would qualify for the XXXX  XXXX loan forgiveness after 150 ( or 160, I forget the exact number ) payments while working as a qualifying XXXX XXXX. Sometime last year, I believe in XX/XX/XXXX, I reached the required number of payments and years of service, qualifying for the loan forgiveness. I contacted Navient almost immediately after the final payment necessary and was essentially told that the name of the loan was wrong. I had federal loans, but the excuse I was given was essentially something along the lines of, your loan is named loan1, and in order to qualify, your loan would need to be named loan2 I was told I could have them change the name of the loan and begin the 150 payments all over again from that point and I would qualify for the forgiveness when I reached 150 payments, again. At the time of this news I think I only had a balance of around {$2500.00}, so I just cut my losses. A couple of weeks ago I fully paid off my loans so as to never deal with these people again. I have XXXX balance with these people but I still perceive this as a colossal injustice after being promised something and holding up my end of the deal. Thank you for your time.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I have two inaccurate late payments showing on an account that I was not late for. The consumer credit reporting agencies play a very important role and have a responsibility to report accurate consumer information. I have not made late payments for the given months of XX/XX/XXXX or XX/XX/XXXX as seen in the attached screenshot. Please investigate this matter and provide proof of statements showing that these payments were not on time. If proof can not be provided, I demand these payments to be updated to be paid as agreed on time as soon as possible due to the fact that the payments were not late. Please see the screenshot attached. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : starting with XXXX and ending in XXXX. The account is closed so I don't have access to the full account number. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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

I am writing as a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as authorized under 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited a transferred check signed over after giving {$1900.00} to the person. I verified check and the issuing banks system confirmed the account was valid with funds to cover the amount. 
Chase took the deposit, placed a hold, lift the hold today released the funds than placed a block of XXXX my account and now opt to close it. First they asked me for contact info to verify the person signed the check over, I told them I didn't have that info available, after placing me on hold I get told the account is a fraud and all checks written are being returned unpaid, yet the system reflected the funds cleared on both sides. So chase now barred me out of account and took the {$1900.00}. Yet I can still verify the Physical check by the numbers, a fraudulent bank account would not come up as valid and funds available. Chase made a decision that is beyond their power, and have stolen funds due to me, I would like them back immediately, and they can take on the issuing party and the party who signed it over to me. I should not be out {$1900.00} that was paid to them after check was cleared. They held full amount for XXXX says with a lift hold date of XX/XX/23 which they lifted and released the credits today than took them with conflicting reasons. They are the party acting shady, what good would the other party confirmation of signing over check do if the account issuing said check was a full fraud, and why am I the one that suffered they have procedures and means to recover insured funds, I am out {$1900.00} and they just shrug it off.
Product: Credit reporting or other personal consumer reports

I have gone to court with this company and the Judge has ruled the information was not valid or verified.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Fresh Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX is collecting an USAA XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.
Product: Debt collection

Verify Debt, I have shown it was not a charge made by me. Midland Funding LLC Fraud. Harassment and attempted extortion I am being harassed by a bottom feeder collector from Midland Funding LLC who continually changes the start date, adding and decreasing the amount by {$1.00}, adding and removing late pays and changing the company names. I for six years have been being extorted by Midland funding LLC I have disputed this over and over, and it has made them worst. I have disputed it with your agency, I have shown proof Ive contacted them and I continually do receive harassing phone calls, mail and attempts at extortion through means of changing data to alter my credit score. This is bullying and extortion. I have reported this to all major bureaus more than 17 times, made a report with the FTC and the CFPB And NOTHING was done! They now have doubled down and made more changes and continue to drop my credit over this fraud, they are the worst kind of people.
Product: Debt collection

I have an XXXX XXXX account added to my credit report from capital one for a XXXX XXXX XXXXhat the VIN indicates was written off from a collision, I did not apply for any auto loan from capital one. The said vehicle was an old vehicle that was repossessed and XXXX by a different financial institution about 20 years ago. Someone is XXXX  reporting this account with capital one and to other businesses. This scammer is making false reports about me to federal and state agencies. I have contacted capital one and requested the contract signed my me. They do not have details to provide me over the phone instead they are trying to collect on an illegal account that was entered into their system by a scammer.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' TRANSUNION is a consumer reporting agency, and I am the consumer in this case and TRANSUNION has allowed XXXX to commit this fraudulent reporting. 
I have the right to make sure my private information isn't shared or exposed, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 antedate the report by more than seven years. '' This account is an adverse item that TRANSUNION is reporting with the assistance of the third party debt collectors XXXX without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " 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. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' TRANSUNION is not maintaining reasonable procedures and allowing XXXX  To fraudulently manipulate and report inaccuracies upon my consumer report. The worst part of all of this is that I never had nor implied any contract with XXXX for them to have my personal information neither do I owe XXXX, the original creditor, any outstanding balances so where did XXXX steal my information from is beyond me and I need to get to the bottom of it.
Product: Checking or savings account

Capital one is violating the EFTA act by refusing to release funds that should be made available immediately. The company has sighted a tech issue however it has been over 72 hours with the money I have earned. I expect to be compensated at the highest interest rate on the money that is expected to me until paid.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$490.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Product: Debt collection

XXXX office MBA Law for XXXX placed a collection on my report with no validation. I have never heard of this company or received anything from them, and has never signed my signature or had any contracts or agreements with them. They made my credit score drop. I just happened to see it in my XXXX XXXX app. They are stating the status as open and a collection which if false. Under the XXXX XXXX, I never gave this company any consent to gain access to any medical records. This item is showing reported as of XX/XX/2022. I called the creditor they displayed as XXXX XXXX and was told they have nothing in their records.
Product: Vehicle loan or lease

When I purchased this vehicle on XX/XX/2016 I was told my loan would be for 60 months and that my annual percentage rate would be approx 20 %. The amount I financed is {$12000.00}. They are charging me almost 70 %! of the amount financed as a " finance charge ''. That is a ridiculous amount and I feel I was taken advantage of by this company at that rate. My vehicle is now worth only {$2000.00} and I still owe over {$8000.00} on this loan. XXXX XXXX and Credit Acceptance took advantage of me when I was desperate for a vehicle to continue commuting to work. XXXX XXXX also did not let me see the contract and just clicked through themselves with a digital signature with my name listed. I want answers as to how a company can charge you almost 70 % on a vehicle loan at that time the vehicle being used and 8 years old. This loan should not have been approved knowing that the vehicle wasn't even worth the amount of the sale PLUS the finance charge.
Product: Credit reporting or other personal consumer reports

**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Experians failure to properly investigate consumer disputes.

In a lawsuit filed against Experian, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law.

I formally request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as required by law.

Given the CFPBs recent findings, I expect Experian to address this dispute with the highest level of diligence and in full compliance with legal requirements.

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation.

Sincerely, XXXX XXXX
Product: Debt collection

Letter content from the collection company Account Number : XXXX Creditor : XXXX XXXX XXXX Principal Amount : {$16000.00} You have a right to inspect your credit report. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 
Sincerely, Collections Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I allowed my son 's girlfriend to use my social number to get her vehicle fixed. She got a loan from  XXXX   XXXX  and took out a loan for  XXXX  and said she would pay it back.   XXXX   XXXX   will not give me any paper work on this account and they said they are a paperless company and will not send out paper work, I have no paper on this loan. Do not know what was done to her vehicle or what the amount of the repair cost.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Debt collection

On XX/XX/2019, I called XXXX regarding a past due bill which I have been disputing the final amount due. They informed me that my account was with Diversified Consultants, Inc and they gave me the number to call but were able to transfer my call. 
I tried explaining to the representative that I do not owe the amount and the reasons why I felt I didn't owe the total amount. 
The representative got very rude and stated that she can offer me a settlement of {$310.00} but I should know that I've broken the contract by moving and she will not go any lower since it's my fault for breaking the contract. I tried explaining that the area I moved to does not offer XXXX. I asked to speak to a supervisor, she placed the call on hold then came back pretending to be the supervisor and before I start talking she hung up the phone. 
XXXX charged me a reconnection fee after I requested to close my account. My account was not closed the first time I requested and was subsequently closed after my second or third request. I was assessed late fees, reconnection fees and termination fees although they didn't offer the service in the neighborhood I moved to. 
This is unfair and unreasonable even by their standards. I checked their contract terms and I was not supposed to be charged a termination fee for moving outside their service area. According to their collection rep ( Diversified Consultants ),  its not their fault I moved outside XXXX 's service area and I must pay the amount of the final bill.