23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A 1099-c form was accepted by the IRS on XX/XX/2022. This debt has been discharged by Nelnet , Inc. and is evident in the attached in the accepted Copy B and Copy C in this complaint. However, Nelnet , Inc. is still reporting to my account and to my credit reports that I owe this debt and this account hasnt been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in the FTC Affidavit that was sent to EQUIFAX and I will attach again to the CFPB Case i am submitting now. I am a victim of ID theft. I am requesting the Accounts be blocked that were placed from EQUIFAX on my credit reports. These accounts are fraudulent and are listed on the FTC Affidavit. You are required by law to follow the FCRA Requirements when someone is a victim of ID theft. I have a right to request actual documentation if you keep trying to be accusatory and saying these fraudulent accounts are mine. These are not my accounts. My identification documents were stolen and these accounts were opened. You have not performed a proper investigation either as you would know these accounts were opened without any signature card online with XXXX XXXX. XXXX XXXX has a policy to not open any accounts or allow accounts to be accessed without a signature card on file. I never received one and I never signed one. These accounts were opened at a fraudulent address. Yet Equifax continues to ignore my attachments and continues to report fraudulent accounts back onto my credit file. I do not authorize you to place fraud on my credit report, You are the only credit bureau whom continues to report fraudulent information. You are the only credit bureau that keeps trying to blame me for fraud committed. I have not opened these accounts. You have not verified any information, You have not submitted any information. Therefore the information you are reporting is inaccurate, Fraudulent and False. You are illegally reporting fraud on my credit bureau report. Once again I am attaching the FTC Affidavit. I am Exercising my right as a victim of Identity theft to have these accounts blocked. You must follow the laws put in place to protect consumers. You have law enforcement documentation you continue to ignore. As a credit reporting company you can not violate the FCRA laws and yet you continue to do so. Nothing has been done to resolve this. I did not apply for any accounts online, and without any further documentation providing proof you can not say you verified anything. What are you verifying? Where is your documentation providing proof of investigation and what the results were? Again you are violating laws put in place. Please review with the FTC if you do not know how to handle victims of identity theft. As a consumer reporting agency you must block the information i provide proof that is fraudulent.
Product: Debt collection

I disputed with bureau and within a few days it was " updated '' on my bureau.
Product: Debt collection

I am writing this letter to bring to your notice the following information added to my credit report. A lot of the reports on my credit report is falsely added to my credit report without my prior knowledge. The mentioned details are incorrect, and I request that you revise the report after due diligence. I request that you clear my credit report as soon as possible to help me continue my business. I am attaching the required documents with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items of r me to ensure accuracy, Here is the items I am asking you to verify as accurate : XXXX Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$530.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit - Highest Balance {$1400.00} Terms 1 Months
Product: Student loan

I had my loans permanently discharged because of my XXXX in XXXX. However, a parental loan I took out in XXXX for around XXXX is now being garnished from my mother social security check. She is also XXXX from a XXXX she had in XXXX. We have told them about TPD but they continue to garnish her SS check. We need help resolving this issue. They are refusing to correct the issue.
Product: Mortgage

We had a loan on our home thru Wells Fargo and we tried to refinance and was told we did not qualify. This was done and we lost our home! We later learned that we were part of 400 other clients that were denied to later learn that Wells Fargo had a glitch that resulted in us being refused a refinance. We have never been compensated for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : Covergent Outsourcing Inc- {$830.00}
Product: Debt collection

So I am getting help from XXXX XXXX with my credit card debts at least for now. 

Citibank calls me about 14 times a week, we are at 9 times already this week since Monday XX/XX/year>. They call me about 2-3 times a day. 

I know that this is a violation of the Fair Debt Collection Act- which is 7 times a week
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX sent our end of lease statement to an old address. the only way I found out about it a few months later was a negative impact to my credit, which was otherwise excellent. I called the customer service in XX/XX/XXXX and spoke to a representative who took my new address in order to send the statement to me. On XX/XX/XXXX I called customer service since I had not received the statement and the customer service representative said that the information had been inputted incorrectly by the previous representative, which is why I had not received it. In the meantime my credit had decreased another 52 points due to their error. I wrote to the credit dispute department on that day, XX/XX/XXXX, appealing for my credit to be restored. I also made a payment toward the balance at that point. I heard back 4 weeks later that they had denied my appeal. On XX/XX/XXXX I reached out to customer service again, as I still had not received my end of lease statement. I found out at that point that making payments toward the balance was not mitigating the negative impact to my credit, so I paid in full. I wrote another appeal to XXXX XXXX XXXX XXXX Department to have my credit restored due to their mistake. They wrote back 4 weeks later again denying the appeal. I have yet to receive the statement, and have always paid every bill on time, but their negligence in not inputting the information correctly and getting me a copy of the statement prevented me from resolving this issue, and they are not taking responsibilty for it to date.
Product: Checking or savings account

My checking account has been locked. At no time did I receive any communication from Huntington informing me of the account freeze - no email, no phone call, and no mail. My account has been locked since at least XX/XX/XXXX. On that day I tried to make a payment and was unable to do so. I called three times over the next two weeks and was unable to get a resolution - it was suggested that I try to visit a branch. On XX/XX/XXXX I visited a branch. After about 1/2hr were able to raise somebody from the main office who suggested that the branch send an email detailing 'suspicious deposits '. I sat with the manager and drafted an email detailing all of my deposits. After one week my account was still locked. I visited the branch again and they tried to help. Nothing. My last visit to the same branch was on XX/XX/XXXX. They again tried to help. Today, XX/XX/XXXX, I received a call from the branch indicating that they have not been able to get an answer from corporate. Furthermore, they are unable to get a date when this might be resolved.
Product: Debt collection

I had received a letter in the mail from a collection agency ( National Credit Systems , Inc ) stating that I have a balance of {$990.00} from an apartment complex we were once residents at. The complex is called The XXXX XXXX  ( XXXX XXXX XXXX ). The letter stated that we owed money due to property damage. I called the collection agency outraged trying to find out why we were billed for such a large amount. And why werent we notified about the balance before or around the time of our move out. National Credit Systems told me that they didnt have the answers to that, but that they were the XXXX to collect the money. I tried to dispute it with them, but I was just given the run around.

Now the reason that Im making such a big deal about this situation is because around XX/XX/XXXX, around XXXX, I had casually bumped into one of the front office employees of The XXXX XXXX  ( At the XXXX that I work at. It was around the time I was getting off ). Who informed me that after we had moved out, XX/XX/2016, a family of possums had moved in the vacant apartment and in the employees words Tore up everything, they tore up the carpets, the floors, and even the walls. The employee also went on to tell me that they were having a hard time renting out the apartment because of the rodent problem. Saying that the carpet needed to be replaced and other things in the apartment due to the damage the possums caused. The collections agency asked for the walk through paper. But I didnt have the final walk through because on the day we moved out the property XXXX XXXX XXXX XXXX was not in. The XXXX XXXX told us that because she wasnt in they would call us to go back for the final walk through. But we never received an email or a call. In addition to the miss call for the walk through, we never received a call after we moved out informing us that there was property damage. I never received a call or an email about a {$990.00} dollar fee that needed to be paid. All we got was a letter 3 months later, from a collections agency stating that I owed a balance for an outrageous balance. 

I feel that we have been treated unfairly in the situation. Please help us any way possible, it would be greatly appreciated. 

We eventually came to a agreement and I paid a payoff amount national Credit System were willing to accept but it is still showing up negligent on my credit and they letter XXXX XXXX sent me has a false amount, making it seem as though we didn't make a payoff payment.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I settle a debt with Conn Credit Corp in XX/XX/XXXX and the agent advised me in 30 days the account will be closed out showing " Paid in full. '' I submitted a dispute with XXXX  to have the account removed from my credit report because they didn't keep their word. XXXX ( confirmation # XXXX ) reinvestigation results are : " This item has been updated to report as paid in full '' but they was waiting on and electronic confirmation paper from Conn Credit Corp to update the credit report. As to this day XX/XX/XXXX Conn still haven't sent over the electronic confirmation nor have they closed out the account. I have been calling every since XX/XX/XXXX asking for an email to be sent to me stating that the account have been paid in full and I can send it to all three credit agencies but I have yet to receive that email. This company is horrible and they lie and give false information to get what they want. That is the very reason why this account went to collection in the first place -- I was paying 2 months in advance and they call and told me I was behind and when I ask how when I had been paying 2 months in advance they told me they was applying the extra funds toward the interest ; never once did they inform me of that.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX  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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX XXXX account XXXX the number XXXX as reported on my credit reports with XXXX, XXXX, and XXXX. 

Despite multiple disputes, XXXX XXXX has failed to properly investigate and update the account information, particularly regarding the reported late payments. The discrepancies across the XXXX bureaus clearly show that the account is not being reported accurately, and the correct payment status is not being reflected. 

As a credit furnisher, XXXX Indigo has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the data reported to credit bureaus. Specifically, under 15 USC 1681s-2, they are required to provide accurate and complete information, and to promptly investigate any disputes regarding the account when notified.

Additionally, under 15 USC 1681i ( 5 ), when a consumer disputes an item, the furnisher is required to provide proof of investigation and respond within a 5-day window. This includes updating or deleting any inaccurate information from the credit report if they fail to verify it. XXXX Indigo has not fulfilled this obligation, nor have they notified the credit bureaus that the account was disputed, which further violates consumer protection laws. 

Failure to comply with the FCRA will leave me with no choice but to escalate the matter and pursue legal action for any damages caused by the continued inaccurate reporting. 

Please take immediate action to address this issue and comply with the obligations set forth by federal law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax disabled my account in last XXXX  without notice or cause. This account was functional for years. No contact in Equifax will provide cause and state there is no issue with my account but logins fail despite sending IDs, resetting passwords, etc. Ive requested this be escalated to their legal team and executive office as they are in violation of federal and state laws by refusing my access to my credit information. This request is routinely refused and XXXX positive results are seen to restore my access.
Product: Checking or savings account

At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my Chase and XXXX XXXXXXXX XXXX debit cards. At or around XX/XX/XXXX I made multiple calls to ASAPs XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of ASAPs calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Chase claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the XXXX ( thats the ant charged on Chase debit ) within 10 days Chase denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.
Product: Debt collection

I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Product: Credit reporting or other personal consumer reports

Credit companies were not deleting incorrect information and not updating my profile or account information
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me listed as an authorized user for an account that I am not on and does not belong to me. I have tried to dispute it and it is still showing up on XXXX and Experian. It was removed from XXXX but it still remains on my XXXX and Experian. I have disputed a couple of times and explained to them that this account does not belong to me and i am not an authorized user. I have never had nor do i have any interest in having an XXXX XXXX card. They continue to report on my credit each month after Ive explained and dispute multiple times. I want this immediately removed from my credit.
Product: Mortgage

Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
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We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
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They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.