23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems and XXXX XXXX XXXX It is against the law in Arizona to not do a final walk through with a tenant. 

Remove this false non legitimate information from my credit report. 

Both companies are committing a crime by taking action and it needs to be resolved. I have not been worked with by NCS they have NCS REP XXXX ONLY acknowledged the fact that what I am saying is true. XXXX XXXX XXXX failed to follow the law and preform the final walk through. XXXX at XXXX XXXX says NCS has the authorization to remove this not XXXX XXXX. However, NCS states it is ONLY up to XXXX XXXX XXXX to approve the removal of the false and defamatory information being reported. This is non legitimate debt not supported by Arizona state law because no walk through was done by the XXXX XXXX XXXX representative XXXX as scheduled for XXXX on XX/XX/XXXX he no showed. I waited until after XXXX. 

Please resolve this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Product: Credit reporting

Equifax reports that a XXXX XXXX Secured Card that I cancelled is in dispute. Nothing could be further from the truth. I closed the account myself. It was paid off completely. There is no dispute. I believe that this inclusion is hurting my Equifax credit score and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Experian Credit Bureau I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 

To make your process of deletion easier, I have attached list of the incorrect addresses that I am currently Seeing. ( see letter attached ) In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

XXXX  XXXX XXXX, Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my rights.
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 Experian 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. This fraudulent, inaccurate, and false information consists of a auto loan opened at XXXX XXXX on XX/XX/year> under the account number XXXX 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 Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer creditaccounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My loan service provider, Nelnet is violating the terms of the settlement agreement of the XXXX  XXXX XXXXXXXX case. According to the settlement, I should be in forbearance while my borrower defense case is pending or processing discharge. Nelnet has me in repayment. I have been making contact with Nelnet and Federal Student Aid since XX/XX/2023 advising them of the issue and asking for them to put me in forbearance at least three times over telephone. Nelnet assured me that I would be put into forbearance and they would be making the change. This change hasnt happened yet, Nelnet has refused to provide anything in writing, and when I asked for telephone transcripts, they refuse to provide that to me. I am asking that Nelnet comply with the terms of the settlement agreement. 
Additionally, Nelnet sent a letter dated XX/XX/2023 with partial discharge however, no movement has been made on my account. FSA tells me that all of my student loans with the XXXX XXXX XXXX are to be discharged however because they were consolidated it will take a little bit longer, Nelnet is not providing any information on next steps or what I should be doing, but they are demanding payment with the first payment due in under XXXX days from today
Product: Debt collection

LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called XXXX. 
My Name : XXXX XXXX XXXX. # XXXX Address XXXX XXXX XXXX XXXX Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Express XXXX XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including Equifax Consumer Services were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ; however XXXX declined both my applications based on Credit Reports provided by the Equifax Consumer Services stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to Equifax at the provided # ( XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including Equifax, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The Equifax Consumer Services has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. Equifax Consumer Services provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against Equifax for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX ,  XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX XXXX XXXX Credit Card Payment Receipt
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXXChargeoff XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This collection agency, who had failed to respond to my 2014 debt validation request ( which they acknowledged receipt of, copy attached ), and stopped contacting me for 1 year ... Then, 1 year later, still without responding, they " transferred my file '' debt to another collection agency ( from Diversified Consultants to Diversified XXXX ), WITHOUT notifying the predecessor collection agency, that they received and did not respond to, a validation request. This is obviously illegal ( and an EVEN MORE EGREGIOUS violation if " Diversified Consultants '' and " Diversified XXXX '' are related entities ). A debt collection agency can not " transfer '' a file to other agencies after failing to respond to a validation request ... and start contacting the consumer again, forcing the consumer to respond to MULTIPLE debt collection agencies about a SINGLE alleged debt that is invalid. Instead of responding to debt validation letters, this agency just " transfers '' the file to another company, and resumes collection activity to fully circumvent the federal law requiring that collection activity STOP UNTIL the requested validation information is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS CBNA, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting

It has been 3 months since I accessed my credit at XXXX and discovered that Transunion has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voicemail from my employer about a request for a fax number so that Apex could fax over a garnishment order. There was no other information nor did the person claiming to be from Apex leave a contact number. 

All of my obligations have been taken care of or in the process of being taken care of. I would like this action and their communication with either myself and my employer to cease and decease immediately.
Product: Debt collection

Velocity Investments has been coming after me for years about a debt for XXXX XXXX XXXX, I do not know who this person is and have told this company multiple times that this debt is not mine. Velocity has not helped me in any way to resolve this issue nor have they furninshed any type of paperwork that shows I am responsible for this debt. My name is XXXX XXXX XXXX, velocity amends their paperwork to show this debt under my legal name instead of seeking out the XXXX XXXX XXXX that owes this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with [ XXXX XXXX ] and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : XXXX Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from [ XXXX XXXX ] confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

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

I am filing a complaint against XXXXXXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Debt collection

XXXX Hospital received payment from XXXX XXXX XXXX. I then paid my co-payment directly to XXXX Hospital. The debt collection firm that XXXX Hospital hired, CMRE Financial Services , Inc,. continues to try to collect, even though nothing is owed.
Product: Checking or savings account

On Wednesday, XX/XX/2021, I received a postcard in the mail from Wells Fargo Bank , National Association. The postcard was mailed to me, with my full correct first and last name, and my full correct current address. The postcard is titled Change of Address Notification. Inside the postcard states, Your Wells Fargo contract information has been updated. The postcard then goes on to say, Recently, we updated the address for your Wells Fargo accounts in response to your request or a notification we received from the United States Postal Service. Please note that the reason weve sent this postcard to the last address on file is to ensure that in fact you have changed your address. Your address has been updated on the following accounts : XXXX Platinum Debit Card and XXXX WELLS FARGO CLEAR ACCESS BANKING. If you did not update your address, or do not want this new address associated with your accounts, please call us immediately at XXXX, 24 hours a day, 7 days a week. You may have also received this communication via email. -Sign on at wellsfargo.com or the Wells Fargo mobile app and go to Update Contact Information. Thank you. We appreciate your business. 
I do not now, nor have I ever had an account with Wells Fargo. I am angry that my name and address is being associated with these two accounts without my consent. I found Wells Fargos Customer Service number via XXXX and called them at XXXX at XXXX XXXX. I do not recall the name of the woman who answered the call. She immediately asked for my full social security number. I informed her of the above information, advised her that the accounts did not belong to me, and requested that they be closed. I advised her that I did not feel comfortable giving her my full SSN. At this point, it appears to me that Wells Fargo has already fraudulently misused my full correct name and address, so I certainly do not feel comfortable providing them with even more of my personal information. The woman informed me that she was unable to access anything without me being able to provide her with either the full account number or my full SSN. She then transferred me to a man ( I dont recall his name either ) who informed me of the same, and advised I visit a local branch in person to resolve the issue in person. There is not a local branch in my city. And at this point, I have already spent at least 3 hours on the phone and/or online with Wells Fargo , CFPB, XXXX, XXXX, XXXX, and XXXX just to resolve this issue and prevent any damages. I certainly do not wish to spend more time and money traveling to resolve this issue. 
I would like to request that Wells Fargo close all account associated with my name and address, and send me verification that all issues have been resolved. I would also like to request that Wells Fargo change their policy and not ask people for their full SSN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.