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

Experian, XXXX and XXXX are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately. 

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my XXXX XXXX car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! XXXX once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why XXXX continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and XXXX. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change XXXX info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems Equifax added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!
Product: Credit reporting, credit repair services, or other personal consumer reports

see attatched Equifax Report of XXXX  account XXXX IS NOT ACCURATE INFORMATION. see attatched ID THEFT case XXXX THIS IS ID THEFT. see attatched XXXX Letter of denial of my fraud claim of UNAUTHORIZED TRANSACTIONS XX/XX/2019. XXXX  is well aware this is ID THEFT but did not approve my claim. See attatched XX/XX/2019 XXXX  Letter of UNAUTHORIZED TRANSACTIONS ALL REPORTED WITHIN 60 DAYS OF DATE OF LETTER. see attatched UNITED STATES POSTAL INSPECTION SERVICE LETTER CRIMINAL INVESTIGATION XX/XX/2019 DELIVERIES NOT MADE BY USPS. I DEMAND WRITTEN DOCUMENTATION 1 ) TRANSACTIONS WERE ORDERED BY ME * MY IP ADDRESS 2 ) DELIVERY WAS ACCEPTED PICKED UP POST OFFICE AND * SIGNATURE GOODS WERE DELIVERED INTO MY HANDS OR INFORMATION DELETED IMMEADTELY.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to urgently address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted CoinBase because the phone with my authenticator app broke. I needed that to enter an authentication code to access my account after enter my username/password. I needed them to remove that check. This happened once before and at that time they ask that I submit a copy of my driver 's license and maybe some other info. I was informed on XX/XX/XXXX after I made that request that they already had all the relevant documentation due to my previous submissions and that I should expect a resolution in 48-72 hours. 

On XX/XX/XXXX, I contacted them again and asked them what the delay was and I would be willing to provide any additional info they may need. I received the following response. " Please be informed that we can not expedite the review process. You still need to wait for 48-72 hours for the process to be completed. You will receive an email confirmation once it was completed. No further action on your part is necessary at this time. If we have any need for further information, we'll be sure to reach out. '' I contacted them again a week or two later and this time got no type of response. I contacted the XXXX about a week ago and that got no traction. So at this point I'm just starting to go down the list of any governmental agency that can help. I really want to avoid having to take the legal route.
Product: Debt collection

It shows on my credit report tht on XX/XX/2019 a amount of {$35.00} is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Product: Debt collection

The Company called me on XX/XX/XXXX after saying they received a debt from an old credit card. I subsequently asked for a verification of the debt and only received the settlement offer that the company had suggested. I did not receive the verification of the debt. 

The lady, I spoke to XXXX, subsequently told me that I would have to report the best and damage my credit unless I paid the debt. 

It was implicitly stated that my credit would be damaged unless I paid the debt in full and I did so. Not only did they take the money without sending me the verification but consequently went ahead and reported the debt damaging my credit. The balance reported did not show the payments made even though I did make a payment on XX/XX/XXXX. The balances did not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
<P/>
 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
<P/>
On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
<P/>
On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
<P/>
On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
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On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
<P/>
On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
<P/>
I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high 600 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, Trans Union, who has never raised my credit score went from XXXX to, as of today XXXX and XXXX who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported as past due monthly on my credit report. 
This account is not open however it is being reported every month as 30 days past due. 
In addition, the amount that I was charged was ridiculously excessive. 
The lenders has also engaged in predatory collection practices.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 Balance Owed : XXXX  ; XXXX XXXX XXXXXXXX Balance Owed : XXXX  ; XXXX XXXXXXXX Balance Owed : XXXX  ; XXXX XXXX  XXXX Balance Owed : XXXX.
Product: Debt collection

Continental Credit is reporting a medical collection from XX/XX/2008. There have been two concerning issues with Continental. First, Continental Credit did not validate this debt prior to reporting this on the credit report. We had insurance at the time and there was no bill that wasn't covered. Second, this is past the FCRA limitation of 7 years. This bill is from XX/XX/2008 if it is even valid. I have tried to deal with them but they refuse to respond to my requests. They just keep trying to collect this debt at all costs despite our objections. At this point it is past the statute of limitations, past FCRA limit on reporting, and violated the FDCPA by not validating the debt when requested, not respecting a disputed account etc etc. They state there is 62 months of payment history. Where do they get this kind of info?
Product: Credit reporting or other personal consumer reports

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I incorrectly sent a payment in the amount of {$180.00} via cashapp to an inactive cashapp account. I resent the money to the right recipient account and then requested a refund via cashapp for the money sent to the inactive account but because the account is inactive there is no one on the other end to issue a refund. So I reached out to cashapp in hopes they could assist me, they had me send all the information only to turn around and tell me the following : Thank you for providing that information. Looking at your account, I can confirm these funds were successfully delivered to the recipients Cash App. I understand you have sent money to their other account, however Cash App is unable to cancel or refund completed payments. 

If the recipient is having trouble accessing that account, please have them contact us via their app or our Help Center. 

Feel free to pass this info along to the recipient and please let me know if you have any further questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

U

pon inspection of my consumer report I found the following inaccuracies. Name Address DOB Please see attachment There should be no other name, address or DOB other than the one listed on the attachment. If it's not on the attachment, then remove it from my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

AMERICOLLECT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?
Product: Debt collection

Portfolio recovery associates do not have a license to collect a debt in California. If they do they continue to fail to provide the proof. According to XXXX consumer access XXXX XXXX XXXX  said license in Caliornia. Their if is as follows XXXX ID XXXX please confirm their California license and right to collect here! Simply buying a debt doesn't not transfer the right to collect!
Product: Mortgage

Due to contracting XXXX in XX/XX/2021, requested forbearance on mortgage from Mr. Cooper. That was granted. The forbearance timeframe was extended twice. During the time of forbearance the following occurred. 

Four full monthly payments were made to keep the total owed at end of forbearance manageable. 
Application made for loan modification one month prior to end of forbearance Spoke with agent XXXX in Texas on XX/XX/2021 requesting status of loan modification based on the fact that the website only stated no payment due amount and that account was with underwriters this had been the case for weeks. I was informed by XXXX to wait for my loan modification paperwork. XX/XX/2021 and the paperwork has not arrived. 
Tried to make payment online on Mr. Cooper website and the website states I can not make payment until the full outstanding account balance is paid. A total of {$19000.00} this is at the time that I am supposed to be filling out documents for a mortgage modification Spoke with agent XXXX in Arizona on XX/XX/2021 @ XXXX XXXX. At that time I was informed that I had to fill in my paperwork for loan modification online within a short timeframe. In addition she claimed that I had been denied a previous loan modification from Mr. Cooper. This is patently false. Mr. Cooper agent asked me in the past if I wanted a loan modification. I would not consent over the telephone and asked for documents to be mailed for me to look over the terms. I never agreed nor did I sign a modification aggreement. 
I have mailed all payments in the full amount of my monthly payment as agreed. When I printed out my payment activity, funds were applied in the amount proposed for the loan modification I never agreed to. The difference was added to unapplied funds. 
I have now been invoiced for the full outstanding balance after forbearance of {$19000.00} I am a senior citizen on a fixed budget that has been continually fending off this mortgage servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove freeze temporarily and the automated system asked a series of questions that do not pertain to me or anything on my credit report. I have never owned a home, no car loans, no loans at all, and no student loans in 2017. They ( Equifax ) know when they rigged the system to do this type of thing that it's not valid or correct. The crooks can access your file an add even when there is extended fraud alerts but I can't do anything with my own credit because they feel like doing these types of things to people at the credit bureaus. The system asked me for things that I couldn't answer because I never had any mortgages or car loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.