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

Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report even after I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account along with original contract, wet signature, and I.d verification so that I may follow up. Additionally, please send me an updated copy of my credit report after your reinvestigation.

As I have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt exists, and therefore, no such debt exists. 

This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, PROSPER/XXXX  add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account/items was in dispute within 30 days now this account in violation XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in response to another complaint filed XX/XX/2021,. Transunion had been reporong an old delinquent child support account From XXXX XXXX, past the statute of limitations because the credit bureau recieved the paperwork with the real XXXX, the bureau verified it is 7 yrs past statute removed the account, but the account is still appearing on my credit report, they are in violation of the fair credit reporting act, everytime I call i always get transferred to a supervisor or representative in XXXX in XXXX I'm XXXX getting sick of this bureau violating the FCRA, and not reporting correctly. If they do not remove this account like it says on my credit report I will sue the XXXX out of them, they are causing me XXXX XXXX reporting XXXX debt, even after I sent them evidence of the original first date of delinquency which was 8 years ago,
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report . Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the XXXX major Credit Bureaus ( Equifax, XXXX, XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Mortgage

I am a XXXX veteran that closed on a HELOC loan for $ XXXX in XXXX 2006 with XXXX XXXX XXXX. The loan was sold to Bank of America and my monthly payment is {$420.00}. I tried to refinance the loan through a few credit unions for veterans and have no success. Currently the loan is in a foreclosure status due to my unemployment. I have a buyer for my home and need for BOA to stop the foreclosure fees and process, and they are unwilling to do.
Product: Consumer Loan

when wells fargo took over wachovia. a line of credit was used. we had just declared bankruptcy. so this makes zero sense if we were not going to pay them taking the XXXX withdrawals out a month before. and included it in bankruptcy .... they [ wells fargo could produce nothing showing us we opened this account. I even went to their fraud dept. we were harassed and had neg info placed on our credit. we finally paid it during a divorce. this was fraud against us. 
they kept renewing the debt my conning me to make a payment this went on for 10 yrs
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to see an inquiry I didnt approve show up on my credit report. I take my credit seriously, and I make sure to keep track of who is accessing my information. This inquiry is completely unauthorized, and Im asking that it be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was misinformed about when to pay and now I have a late payment on my credit score
Product: Debt collection

I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. 
Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.
Product: Mortgage

My house was put into forbearance with my original mortgage company, XXXX XXXX, in XXXX. My loan was then purchased by Carrington mortgage before my loan modification packet had been put into place although it had already been approved by XXXX XXXX. I was forced to move out of my home and start renting it out as I could not afford the payments after getting out of the XXXX XXXX which is why I modified the loan in the first place. For the past 18 months I have tried time and time again to submit a loan modification packet with Carrington mortgage, it has been at least six times of submitting a packet and each time they said it was missing something or part of it was filled out that didnt need to be. I have attempted to resume making payments on the house but they would not allow me to resume payments until the loan modification went through. I am now XXXX in debt on payments and they are foreclosing on XX/XX/XXXX. I have asked to make partial payments on the debt but they will not let me make any payment unless it is the full amount. I am now able to make this full payment, but with the amount of deception and unhelpful attempts to fix this situation, I have zero trust in this company Im really afraid to even attempt to pay off my house before it foreclosures as they may come up with another excuse as to why it wont work and I could lose all that money as well as my house. Please help, this company seems to be a real mortgage company yet after reading reviews it seems like all they are doing is scamming people including myself. I had no say in if I wanted them as my mortgage company, I did my VA loan through a good company that I agreed to but I didnt agree to the horrible company of Carrington mortgage. My credit has tanked due to the missed payments that Ive been desperately trying to make Carrington allow me to pay. They are so unhelpful and at this point it seems like they have just been trying to have my house foreclosured rather than help me pay it off.
Product: Credit reporting or other personal consumer reports

Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by Equifax, XXXX, and XXXX. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : 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/DEPT OF ED 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 XXXXXXXXDEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX XXXX EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF ED29959611XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify these inaccuracies, including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE EQUIFAX, XXXX OR XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) Experian credit report is showing that I applied to XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 I did not. Experian did not investigate this hard inquiry. Experian did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXXXXXX, Experian and XXXX are not reporting my correct address XXXX XXXX XXXX  XXXX XXXX, CA XXXX Experian and XXXX are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances
Product: Credit reporting, credit repair services, or other personal consumer reports

shared credit report without consent, non response from credit bureau to verify information on credit reports, disseminating proprietary and confidential information, undue enrichment at credit holders expense, cease and desist usage of my social security number of the holder in due course, resulting in identity theft, cease and desist usage and i will provide a more secure account and number that is attached to Internal Revenue Service, Accounts needing to be Physically Verified - Fair Credit Reporting Act - Section 609 ( a ) ( 1 ) ( A ). Compensation And Authorization by me, the Account Holder in due course. Verification is required before reponding to businesses with motives unknown who are for the most part curious and " nosey '', otherwise, Anyone paying for a report to a credit bureau could fax, mail, or email in a fraudulent account. 
I amd demanding to see verifiable proof ( an original consumer contract with my signature on all filed accounts
Product: Debt collection

Money 4 You needs to stop Harassing Me through Email and Phone Calls I Have an Attorney Which is helping us with our debt Problem and my attorney has sent out a POA letter and Cease and Decease letters out to this company which they still Fail to not contact me letters will be attached to this complaint Attorneys Info is on Cease and Decease Letter Contact them
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago our mortgage was purchased by XXXX XXXX. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX 's payment but XXXX refuses to update that information. I have a print out from XXXX 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.
Product: Debt collection

I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling me.
Product: Mortgage

In XX/XX/2024 by ShellXXXX house was in foreclosure, due of job loss explained to shell-point and they informed me they sold my loan and you have to request that info, Why? Anyway, the person like XXXX XXXX or XXXX XXXX this person wasnt willing to offer any source of help. After reaching out to a rep and the cfpb fraud dept. They reached out and asked why was I being denied help in the form of modification or payment plan. No response was ever giving. Then took out a high interest loan to save my house. Reinstatement amount sent in. Was told by shellpoint and escrow no payment til XXXX Low and behold I receive not a phone call but a certified letter stating I owed over XXXX. Had called in a few times and was advised in writing to ask for them to review the loan and payments and see whats going on. And so far haven't heard back
Product: Credit reporting or other personal consumer reports

I have requested 3 times to have the Opp loans removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX received and cashed payments for over XXXX years and did not post the payments to the account. instead, they stole my money and placed my account into collections with Capio XXXX deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
Product: Credit card

I have a credit card account with Bank of America that has been without a balance for more than 3 or 4 years - I do not even have an actual card having destroyed it several years ago. I keep this account active by paying an annual {$18.00} annual fee whenever I receive - by mail - the bill for this fee from Bank of America. 
In XX/XX/XXXX, I received an email from my credit monitoring company informing me that my credit score had changed. Upon checking this information on the credit monitoring web site I noted that my credit score had dropped from " Very Good '' ( XXXX XXXX to " Good '' XXXX XXXX XXXX. This change occurred " as of '' XX/XX/XXXX and was initiated because " ... BANK OF AMERICA has flagged your account as 30 Days Past Due. '' Here is a summary of the alert statusAlert Date XX/XX/XXXX XXXX Bank of AmericaPayment Status Not more than XXXX payments past due ( XXXX ) Status Date XX/XX/XXXX $ XXXX Date XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX immediately initiated payment of this fee ( plus a {$3.00} interest charge ) using my online banking service. I also contacted Bank of America by telephone in an attempt to have this corrected. I informed the operator that I did not receive in the mail any notice regarding this charge in the mail, that I had initiated payment and that I needed to talk with someone regarding the correction of my credit score status. She indicated that the notice was sent to my XXXX XXXX that I used during my last move XXXX. All mail sent to this XXXX XXXX is now forwarded to my actual address - and remains forward-able until XX/XX/XXXX In any case, I did not receive this bill - or any other notice via email or phone - from Bank of America regarding this fee. Unfortunately, the bank representative could not help me since I was in " arrears '' for this fee payment making this report to the credit agencies a valid action and she could do nothing fro me. I had the representative change my XXXX XXXX XXXX to my actual address for all further mail communication before ending the call. 
On XXXX XXXX, another email alert came from my credit monitoring service. Here is the summary of this alert : Alert Date XXXX XXXXCompany BANK OF AMERICAPayment Status 30 days past dueStatus Date N/ABalance $ 0.00Balance Date N/AAddress XXXX XXXX XXXX XXXX XXXX, XXXX XXXX that the second alert above indicates a zero balance showing that Bank of America has received my fee-plus-interest payment. 
Now I am wondering what recourse do I have to correct this. My credit history spans more than 40 years with zero derogatory information. I find it difficult to believe that missing a payment to cover an annual fee of {$18.00} can cause this much damage to someone 's credit profile. Is this normal? Certainly one can have this corrected easily, especially since the circumstances show absolutely no intent to defraud or mislead the credit-providing company by this consumer. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - XXXX : {$2100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$4300.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : $ - Account # : XXXXXXXX XXXX  - Balance : {$13000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.