23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.
Product: Credit card

This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I reached out to this company in XX/XX/XXXX XX/XX/XXXX. I also went to the original debtors office with the account # I had at the time I lived in the XXXX XXXX XXXX XXXX and was told by the management team that I did not have an outstanding debt. The manager of the office called while I was there and spoke to someone who advised they will rectify the issue and no debt was owed. I also disputed this balance with all 3 credit bureaus and it has only been removed from XXXX.I called today and get the same message each time I call I need to speak with someone in " support services '' and the office is closed. This company is reporting this debt and I don't owe it and this needs to be removed from all 3 credit bureaus not just one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/2023 2023
Product: Checking or savings account

I am writing for assistance with my bank account with BBVA account. On Saturday the XXXX XXXX, 2020 I deposited a check in the amount of {$540.00}. After I made the deposit, I saw only {$41.00} posted to my bank account after reviewing my online account. This deposit was to help me pay my rent. As of today the correct amount is still not posted to my account, causing me to be late in my monthly rent. On top of this I am being charged late fees and issued eviction notices to appear in court, because I cant pay my rent, so far totaling {$200.00} in late fees. This error is a BBVA bank matter and they should assist me by helping with the late fees. I have contacted the bank and am being told it could take 5 to 7 business days to make the adjustment of the missing {$500.00} back into my account.
Product: Credit card

Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.
Product: Credit reporting or other personal consumer reports

As a consumer, I RECENTLY requested that several times that certain inaccurate and erroneous items be removed from my credit report. these items were shared without WRITTEN CONSENT PURSUANT TO 15 USC 1681 ( B ) PERMISSABLE PURPOSES FOR WHICH CONSUMER CREDIT REPORTS CAN BE ACCESSED BY THIRD PARIES ; THAT WERE DAMAGING MY CREDIT SCORE, STANDING, AND REPUTATION FOR YEARS. I have requested over and over for these items to be removed, due to certain items being inaccurate, but for years now, all 3 Credit Reporting Agencies have failed to do so and has left my reputation in dishonor. All of the disputed Items '' have come back verified '', but AS A CONSUMER I DEMAND TO KNOW ALL OF THE STEPS TO ENSURE THESE ITEMS WERE 100 % ACCURATE. UNDER 15 USC ss 1681i ( 7 ) METHOD OF VERIFICATION- DESCRIPTION OF INVESTIGATION PROCEDURE. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. Please send the following information used to validate the items below, A COPY OF THE CONTRACT INCLUING ALL ORIGINAL SIGNATURES ON BOTH PARTIES TO EACH CONTRACT, A TRUE BILL FROM THE CREDITOR SHOWING BOTH ENDS OF THE LEDGER EVERY TRANSACTION, THE LETTER I PERSONALLY SIGNED AND GAVE CONSENT FOR ANY OF THIS INFORMATION TO EVEN BE FURNISHED ON MY CREDIT REPORT TO BEGIN WITH, OR otherwise delete them immediately, XXXX XXXX THE BUREAUS INC PARTIAL ACCOUNT # XXXX $ XXXX THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY THE XXXX XXXX PARTIAL ACCOUNT # XXXX {$490.00} THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY XXXX XXXX $ XXXX THIS INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY REMOVE ALL OF THE ADRESSES BELOW FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX MI XXXX NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX  XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX IS NOT MY NAME REMOVE IT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Midland Credit will not provide me with the purchase agreement from XXXX or XXXX XXXX  They claim I owe these debts But I asked for proof and they cant show me he literally said in the chat it is not my debt This needs to be removed immediately from my credit Report!!!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Not sure why they are contacting my number. They never leave messages but the numerous calls are stressful.
Product: Debt collection

This account was paid in 2021 and American Express refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.
Product: Credit reporting

I pay for FICO score monitoring. A dispute over a drop in myscore has been logged with Equifax per the process with FICO. FICO claims they do not control the information provided by Equifax. Equifax just explained that my Equifax score is 'different ' from FICO because they use a different model to compute scores ... and if I want my Equifax score I must pay. We go around and around with FICO versus Equifax. No one will explain the formulas or their actual relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the company received a dispute from me telling them to remove information that I did not explicitly consent to be furnished to my consumer report. my information was obtained without my written consent, which constitutes fraud. the credit reporting agency has no proof, and can not and did not verify any of the information. The company did not respond, it has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, EXPERIAN AND XXXX WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS XXXX
Product: Student loan

I have communicated with the company that I am unable to pay {$970.00} per month, as my financial situation does not permit me to pay that much per month. I have asked for options. They asked me to contact them via phone. I contacted them via phone. The option that was made available to me was to pay more per month to shorten the amount of payments on the loan. This is unrealistic, which is what I communicated to them. I asked for income-based payments. I was denied. I reiterated to them that I would be unable to pay the full amount per month, but would pay what I could when I could. 

The following is a list of days that the company has contacted me since XX/XX/year> : XX/XX/XXXX XX/XX/XXXX ( three times ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX They have also begun to contact extended family members ; there was no communication with them from me about extended family phone numbers. They have also contacted a family member from an old friend that I am no longer in contact with. I have asked them to not contact any person associated with me. These requests were ignored. 

Since I began to not be able to pay the monthly bill, I have been contacted by XXXX different numbers from the same company. Those numbers are available on request.
Product: Credit reporting or other personal consumer reports

Some one has taken a loan out unauthorized as a result of identity theft
Product: Credit card or prepaid card

recently I made a late payment for one of my credit cards. I genuinely believed my payment was due on XX/XX/XXXX when in actuality, it was due on XX/XX/XXXX. i've never been late on a payment as my history will show.
Product: Credit reporting or other personal consumer reports

I have a couple different hard inquiries on my account that should have not been on them. I sent in a letter to XXXX with all the inquiries that should not be there
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account shows a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. Also, Equifax and XXXX  are not investigating this negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows this account as not in dispute, when this account is in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Product: Consumer Loan

I sent a letter to QUALITY ACCEPTANCE LLC, the letter is enclosed, I gave them a year, it was signed by no one. They broke more federal trade commission laws and more FCRA regulations than any other company I have ever seen. And they unlawfully harassed for money when they violated and broke the contract we had with them, and they also refuse to send any proof I Asked for a year. There window is closing soon, I want {$7500.00}, if they do not pay up I feel sorry for them, cause I am here telling the world, I am coming for them, by media, by law, my court and I want whoever is responsible to go to jail as well. How can you send a response of this serious nature with no signature. IS that who stole my money?
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, that items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts that I DID NOT apply for listed on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please investigate and delete it from my credit report.
Product: Debt collection

There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. Please help
Product: Debt collection

This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.