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

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX  on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B obliges us to delete any incorrect accounts from my credit report. Could you examine the documents? Certain accounts are inaccurately reported with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX RIVER XXXX XXXX XXXX XXXX XXXX, TX XXXX ;
Product: Student loan

I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.
Product: Debt collection

On XX/XX/XXXX, a company named TekCollect sent me a threatening letter falsely stating I owe {$13000.00} to XXXX XXXX. 

While XXXX XXXX did perform work for me, all amounts owed by me were paid. There has been no presentation of invoices for the {$13000.00} claim. Nothing regarding any work, all of which was brought to a close in XX/XX/XXXX. 

Also, the TekCollect letter is titled " Final Notice '' when no notice whatsoever was received prior to this letter. And, the letter includes no supporting evidence, such as invoices, for any amount owed. 

TekCollect is threatening to ruin my credit record. I called the phone number on the TekCollect letter, and a very young person answered, with " Hello? '' I had to ask if I had reached the TekCollect office -- and it was never made clear if TekCollect actually has an office. 

Thank you for any assistance you can provide with this false claim. 

The TekCollect address is XXXX. XXXX XXXX XXXX, OH XXXX TekCollect phone number = XXXX
Product: Credit reporting or other personal consumer reports

I keep having credit inquiries on my credit report. I am in bankruptcy and I have not authorized any one to pull my credit, and this continues to happen. Also possible was included in my bankruptcy yet they continue to report my account as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/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 or other personal consumer reports

I am encountering recurring difficulties with Experian impeding my access to my credit report, and the presence of certain information therein is resulting in adverse consequences for me.
Product: Debt collection

XXXX XXXX XXXX is continuing to report a item on my Equifax report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Debt collection

I have already disputed this debt with XXXX XXXX, I disputed that the debt was not mine they could not produce any documents that would validate, they were told that a ftc fraud affidavit would be made if they didn't correct there mistake. They removed it from the credit reports, now they have sold the debt to XXXX XXXX, I have filed the fraud affidavit with the FTC and submitted it to the credit report agency 's, if XXXX XXXX doesn't remove from all three credit report agency 's, I shall be force to take legal action against them.
Product: Credit card or prepaid card

I had a Capital One Venture account for over 6 years and on 3 separate occasions, I paid the bill from the wrong checking account ( which the app defaulted to ) and then the payment was returned I immediately paid it with the correct account. My account was then closed for fraud because I paid from an old checking account ( accidentally ). I have accrued XXXX miles in the past 5 years with this card. I was planning on using these points for my honeymoon and now I am told " sorry there is nothing we can do and the reward points are gone. '' I was also told that I was going to get an update from Capital One within 14 days of when I contacted them ( which should have been XX/XX/XXXX ). I never received any correspondence and when I called today, I was told they have no way of getting in touch with me. That's funny considering they sure do know where to send bills and fraud letters. My initial contact with them was on XX/XX/XXXX. I would like my miles reinstated or {$2500.00} taken off my current balance. Thank you!
Product: Debt collection

My husband had his social security card stolen and we never knew about a PayPal account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to PayPal. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX.When I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Product: Debt collection

I asked them to show me the payment history, payoff disclosure, interest rate disclosure, credit insurance, balance history, and the original contract I haven't gotten it yet.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I cashed out three crypto currencies that I had on Coinbase. My credit union never received the money. I contacted Coinbase and made three separate tickets. They closed all three tickets within a week and gave me no resolution or explanation! I tried to call, but I can not get an actual person on the phone. The amounts I cashed out are : Link {$34.00} Bitcoin {$110.00} XRP {$28.00} I have the transaction numbers if needed.
Product: Credit reporting

As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( XXXX, XXXX and TransUnion ) about the inaccurate information being reported under my name. XXXX claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Product: Checking or savings account

I started receiving emails on XX/XX/XXXX from Bank of America. They emailed me and asked me to confirm my email and then emailed and said Congrats youre signed up for online banking. The problem is that someone is using my email address to fraudulently open Bank of America accounts. Ive tried calling but I cant reach anyone because I dont have an account number. 

Ive emailed their XXXX email but they have not responded. Ive called their fraud number but same thing that has been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, TransUnion, and XXXX regarding inaccurate negative reports on my credit report. I specifically requested XXXX to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on my report.
Product: Student loan

In late XXXX, I received XXXX statements from NelNet ( XX/XX/XXXX - Amount Due : {$140.00} ; XX/XX/XXXX - Amount Due : {$0.00} ; XX/XX/XXXX - Amount Due : {$210.00} ). See attached statements. 

On my NelNet account, I have autopay set up with XXXX Bank ( see autopayment attachment ). On XX/XX/XXXX, I was charged {$140.00} to my XXXX account which mirrors the amount due in XXXX dated XX/XX/XXXX. 

Today ( XX/XX/XXXX ) when looking at my Chase account, I see XXXX pending transactions from NelNet ( {$370.00} and {$880.00} ) with a note from XXXX that I have overdrafted my bank account because I did not have enough money to cover those payments. I quickly transferred {$300.00} to myself to avoid overdraft fees from XXXX. You can see that without the {$300.00} immediate transfer today, I would be overdrafted as my account balance is under {$300.00} ( see XXXX attachment for account activity from today ). 

When I login to my NelNet account, I see {$210.00} is past due ( see attachment ) even though 1 ) I have auto-pay set up so I should not be past due and 2 ) NelNet has overdrafted my account to cover the payments with amounts that do not match the amount of money I was quoted in the statements. 

This should not be happening and points to a systemic issue with how NelNet is handling payments. At a minimum, I expect to know how much I owe each month via a statement AND to be charged the amount actually listed in the statement so that I can avoid overdrafts going forward. I also expect auto-pay to cover the amount due so that I am not past due on anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted complaints about my credit scores dropping for no good reason to XXXX and equifax. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against equifax and XXXX if they do not put my credit scores back to where they belong.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

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

A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of James R Vaughn who is acting on behalf of a company XXXX XXXX. This attorney James R Vaughn owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance Owed : {$990.00}XX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/scrub>/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX, NY XXXX