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

There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.
Product: Credit reporting or other personal consumer reports

The amount of times I have reached out to your company and not hearing anything back from you or about the accounts I am trying to get removed off my report is innumerable- or perhaps more stressing than anything. I can not get as much loan approvals because of the inaccuracies in my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I went to make a payment on my student loan through Aidvantage. 
The amount I entered was {$1100.00}. I received an email from Aidvantage that my payment of {$1100.00} received and posted. However, when I checked my account, only {$100.00} was accepted and the {$1000.00} was a payment reversal. 

This is confusing to me because the {$100.00} that was accepted was from the same routing number as {$1000.00} that was not accepted. 


There was no explanation, nor was I even made aware that the payments had been reversed. I do not believe that this is an acceptable way to run a business, and that their system should be capable of handling simple, student loan repayments.
Product: Debt collection

This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am writing to formally dispute an account reported by HARVARD COLLECTION SERVICE that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date. 2. The purchase agreement between HARVARD COLLECTION SERVICE and the original creditor to establish their right to collect on this debt. 3. Proof that HARVARD COLLECTION SERVICE is licensed and bonded to collect debts in my state. I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, HARVARD COLLECTION SERVICE has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt. HARVARD COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case. Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Debt collection

my information was used to open credit accounts in my name without my consent. Ive been a victim of the Equifax Data Breach which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. 
fraud account * XXXX XXXX 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 or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX  XXXX XXXX XXXX XXXX, TEXAS XXXX AXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX LexisNexis has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of LEXISNEXIS that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including LEXISNEXIS could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves LEXISNEXIS never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Product: Debt collection

I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.
Product: Student loan

Got a letter from Great Lakes stating my principle balance. To my surprise it was more than what I loaned. Over the past few years apparently the payment plan they have me on isn't paying any principle down, in fact it's accruing. I am struggling to understand how this can be offered to a student. This seems like a scam, to make money off a large education based debt. Is this legal? I called customer service at Great Lakes on XX/XX/19 to get an explanation and was told that it isn't explicitly revealed to the borrower that this payment plan will not pay off principle. Following that she claimed borrowers are told this information. Didn't seem clear. Shouldn't we be protected against programs that don't pay off our loans? I am beside myself as I support my family on a single income, trying to get out of my educational debt. An insurmountable hill knowing what I now know.
Product: Credit reporting

This account belong to my ex-wife .I do have divorce show i am not responsible for this account. I try to work with credit company did n't remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than 30 days ago I asked Equifax to verify and fix an error in my credit because the XXXX XXXX  account appears as ( open ) and with balance when in fact that account is closed and paid, I include here proof that that account already It is paid and closed. See attached documents, i included my id and SS for verify my identity
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

To delete all highlighted accounts Under section 1681 section 602 rights to privacy As of XXXX Charge Off XXXX XXXX  XXXX XXXX Closed XX/XX/XXXX {$830.00} {$830.00} 2 Charge Off XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$820.00} {$820.00} 3 Late Payment OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4600.00} {$4600.00} 4 Late Payment OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4000.00} {$4000.00} 5 Charge Off XXXX XXXX Closed XX/XX/XXXX {$2000.00} {$2000.00} 6 Late Payment XXXX XXXX XXXXXXXX XXXX Open XX/XX/XXXX {$0.00} {$0.00} 7 Charge Off XXXX XXXX XXXX XXXX 1 Closed XX/XX/XXXX {$14000.00} Account Type Name Number Status Date Opened Balance Past Due 1 Charge Off XXXX XXXX Closed XX/XX/XXXX {$2000.00} {$2000.00} 2 Charge Off XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$14000.00} {$14000.00} XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$820.00} {$820.00} Collection/Chargeoff XXXX XXXXXXXX XXXX XX/XX/XXXX {$2000.00} {$2000.00} Collection/Chargeoff XXXX XXXX XXXXXXXX XXXX XXXX Closed XX/XX/XXXX {$14000.00} {$14000.00} Collection/Chargeoff Late Payments Account Name Number Status Date Opened Balance Past Due Payment Status OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4600.00} {$4600.00} Late 180 Days OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4000.00} {$4000.00} Late 180 Days XXXXXXXX XXXX XXXXXXXX XXXX Open XX/XX/XXXX {$0.00} {$0.00} From. All bureaus
Product: Payday loan, title loan, or personal loan

my wife is took out a title loan one month before she went to bootcamp for XXXX we been paying it and interest rate is huge XX/XX/XXXX they repo an XXXX  service member car ( my wife ) without a court order we had no notice of repo and the lady XXXX at XXXX title max would not help we owed XXXX $ left on loan. 

technically titlemax  can not give loans to militay I wan na know if we can use SCRA or MLA benefits and go after titlemax  for the interest rate they gave us and the money we spent getting car out of impound
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccurate addresses and names reporting to my credit repo. These inaccuracies have been detrimental to my life and credit health
Product: Debt collection

XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
Product: Mortgage

Citi is acting with gross incompetence and negligence regarding a financial matter. Citi is in violation of RESPA title X. 

At issue are multiple of submissions of documents that Citi keeps requesting and Citi is not reading the documents submitted. First Citi is asking me to send them a mortgage statement for their own loan. No lender on earth asks for the borrower to send in their own mortgage statement, they send that to me, not the other way around. When I sent it in, they actually rejected it stating it was outdated yet it was the most current one they sent to me. This is gross incompetence. 

I have sent their requested docs ( attached here ) multiple times. All mortgage statements, all current and nothing cut off as they are claiming. They have all required documents for modification review yet are refusing to open my modification review per RESPA guidelines. 

Additionally Citi is requiring me to mail in an authorization letter which I have done so multiple times and Citi still hasn't updated our authorization in a month. First I shouldn't have to mail in a form. This is the year XXXX not XXXX, they accept payment electronically they can most assuredly accept an authorization form electronically. Secondly they aren't even processing my paperwork. It seems Citi has too many loans and not enough people working there. They need their portfolio trimmed by the government just like XXXX XXXX. Homeowners should be losing homes due to their negligence and incompetence.