23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX sent me a bill for {$510.00} in XXXX under a different name, for services I never used. They demanded payment from me. Then Collection Management got involved and demands payment. I have nothing to do with the bill. I have an immaculate credit history with XXXX credit score which took many years of diligent attention and now this wrongful debt is on my record. I demanded proof from the collection company which they have not provided. I disputed this with XXXX and they just sent me a note that the debt will remain. How is that possible? I have never called XXXX XXXX XXXX ; I have never received services from them and I am not responsible for any payment. I want this debt to be taken out of my record immediately and for good. 

Thank you for your help and consideration.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.
Product: Debt collection

I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; FXXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet Experian continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that Experian has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that Experian representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of Experian 's incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under the FCRA. 

I look forward to a swift resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Experian to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , XXXX 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 a collection account opened at Diversified Adjust XXXX on XX/XX/XXXX under the account number XXXX with a remaining balance of {$130.00}, and XXXX other collection accounts at XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$990.00} and the other XXXX on XX/XX/XXXX with a balance of {$890.00}. 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 # XXXX 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. 

I want to mention that I forgot to attach the 3 credit bureau credit reports on my other complaint and I also labeled it telecommunications which was wrong, it was meant to be credit card as this one is the telecommunications. I apologize. I made sure to upload everything here so you have it.
Product: Credit card or prepaid card

Company CareCredit/XXXX XXXX Previous balance XX/XX/2018 {$1700.00} with 1 % interest rate New balance XX/XX/2018 {$2700.00} with 26.99 % interest rate interest charge ( net ) {$1000.00} The math does not add up, why so much?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to XXXX regarding this collection on my credit report from XXXX XXXX XXXX ( XXXX ) this account has not been updated since XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XX/XX/XXXX on Transunion so it has not been accurately validated like XXXX and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX  XXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, and TransUnion XXXX. The account in question, which was a XXXX XXXXXXXX XXXX was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  has completely deleted this account from my credit file, I respectfully request that XXXX, and TransUnion take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXXXXXX XXXX XXXX account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this letter may concern, I am reaching out about my dispute and validation letter request, I have filed back in the early-part of XX/XX/2023 to all three Credit bureaus ( XXXX, XXXX, XXXX Transunion ) I have spoken to each representative of all three credit bureaus in regard about my disputes and validation letter stating a requesting for proof of validation and given 30 for the investigation from the original debt creditor. I have experienced the response from all three credit bureaus.The first was from Transunion. The Transuion associate ( s ) lied to and stated they have not seen letter, then it was stated that they received a letter from a third-party. I verified the letter to them and spoke about when I sent it out and the Fair Credit Lending Act. I also sent out the information of there form of a dispute form over the inaccurate credit account found. I was given mixed information from both the associate and supervisor. They later verified the letter ( s ) that where sent out and want to me re-submit another dispute on the phone/email. There was not result resolution to this issue and I would like for it be taken Care for me please. I have experience similar experience with the other two as well. all I have received from them is that my information is still " pending '' on their investigation timeframe. I had sure to give additional time on the matter, still failed to verify back this information I am request and I would like for taken care effective immediately.
Product: Mortgage

In XXXX of 2022 Annie Mac gave a false estimate on our monthly mortgage payment. The broker gave us an estimate on the high end of under XXXX dollars monthly with XXXX percent down. We put in an offer towards the house based on this confirmed number. We kept questioning his estimate, finally it was proven to be at least a XXXX dollar difference with XXXX percent difference down. Over a XXXX year mortgage, that would be XXXX dollars difference on the low end. In addition it cost us losing out on the seller paying rent to us. The broker said he would give XXXX dollar credit and a XXXX dollar credit. However we would also have to pay for mortgage points. We could only buy XXXX, and the final result would still be over XXXX dollars a month that would lock in the same day. We contacted Annie Mac and the broker 's father rather than the manger/the broker 's reached out that Friday. We asked for written contact rather than a phone call. The broker 's father is not even in the same office or state. There is more details, but I am not sure what I can disclose here.
Product: Student loan

My student loans have been in deferment due to the actions of XXXX XXXX for some time now. The issue I am having is that my student loans have been taken out of deferment without my knowledge. MOHELA is currently in charge of my loans. I have been making payments on my loans even though interest has not been accruing. About a month ago I logged into my account to check on the status of my loans. To my surprise, my loans were all of a sudden XXXX month past due. MOHELA did not email me to tell me that my loans were being taken out of deferment. According to them, I currently owe over {$600.00} in due payments. I have reached out to them multiple times and have been told that it is an error on their end and that they are trying to get it figured out. I have also received multiple phone calls from MOHELA telling me that my credit will be affected if I do not make a payment. I have also contacted the office of XXXX XXXX XXXX ( XXXX  ) in hopes of resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
Product: Debt collection

I LOST MY WALLET BACK IN XX/XX/2017 SOMEONE FOUND IT AND USE MY NAME AND INFORMATION ( IDENTITY ) TO OPEN UP ACCOUNT WITH XXXX.
Product: Credit reporting or other personal consumer reports

Information reporting on my credit report is incorrect! In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights Section 605B. It is illegal to report information on my credit report without my permission. A charge off is being reported on my credit report which I haven't received a 1099 c form stating that the debt is cancelled. If the debt was cancelled why is there a balance on my account which is reporting as income on my credit report which is illegal! 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$22000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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 called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of  my accounts on XXXX for a car loan.
Product: Credit reporting or other personal consumer reports

Wages are currently being garnished from XXXX XXXXXXXX XXXX and information on my credit report is not being reflected as such and should be removed immediately from my report! 

XXXX XXXX has been garnishing my checks since XX/XX/year> accounting for a minimum of {$1200.00} a month and my accounts on my credit report do not reflect that and should be corrected or removed immediately!
Product: Credit reporting or other personal consumer reports

I REQUESTED DOCUMENTS FROM XXXX XXXX XXXX AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. VYSTAR CREDIT UNION IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.
Product: Credit reporting or other personal consumer reports

Experian has been sending copies of my credit report to 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 They are doing so under the pretense that I requested them to do so and approved. Not only have I done neither but they have allowed no way for me to remove these subscriptions. They have continued to reprint my price and confidential information without my consent and have failed to fix and resolve the issue