23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

Equifax must comply with my many previous written instructions to remove the inaccurate and harmful information from my consumer credit report, in accordance with the cingressional laws.
Product: Credit reporting or other personal consumer reports

I am reaching out to provide an follow up regarding my previous complaint concerning the incident in which I fell victim to identity theft. Once again, I wish to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1. This provision mandates that Credit Reporting Agencies must expunge and prohibit the inclusion of any items specified in an identity theft report. Kindly examine the attached documents to facilitate the process of expunging the inquiries that have appeared on my credit report without authorization. Below, you will find a comprehensive list of these unauthorized inquiries that have adversely affected my credit history : EXPERIAN : 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 or other personal consumer reports

the company is reporting wrong information even when i sent to them my supporting documents like social and drivers license they does not care my credit
Product: Checking or savings account

This complaint goes along with the other two ( 2 ) I have filed with CFPB. # XXXX and # XXXX. 
I'm sending more information and PROOF that I did not commit fraud on Navy Federal Credit Union in XXXX. My identity had been stolen, along with several others, by the XXXX XXXX XXXX XXXX in XXXX. IRS Notices, Police Report, etc. are attached for their viewing. 
Please clear my name quickly! You've already had a month. It's not my fault Navy Federal is behind in their paperwork ( and I know this from your Tellers at my local branch ). 
If it was your money and your reputation on the line, wouldn't you want someone to listen to YOU and let you explain the proof I've already submitted as well as the attachments to this complaint and GET IT DONE SWIFTLY! 60 more days is ridiculous, especially since I'm NOT ALLOWED to talk to anyone about this in the Security/Fraud/Whatever Department at Navy Federal . 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My old phone was stolen. All my information attached with my new phone. Stole my identity applying credit card and sending money using my paypal account. 
Using XXXX XXXXXXXX  and buying stuff from store using my phone. 
attached police report .thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Credit card or prepaid card

I haven't paid much attention to my credit report and when I checked I noticed unrecognizable companies. 
XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2 times XXXX  XXXX XXXX  2 times XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 times
Product: Student loan

I attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX BANK # 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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Product: Student loan

I am eligible for the PSLF Program. In the fall of XXXX, I submitted documentation to XXXX XXXX   but have still not received a status update despite reaching out to them numerous times. Each time, I have been told they are still working on going through the records. By my calculation, the first of my loans should be " forgiven '' in XX/XX/XXXX.
Product: Mortgage

My mortgage servicer was inept & consequently did not use my escrow account to purchase home insurance from XXXX XXXX. 
The m0rtgage company told me that I needed insurance, or my insurance would be " force placed '' Consequently to be safe, I paid XXXX XXXX directly with my credit card. 
I have sent proof of insurance twice to XXXX, and they still state that I have no insurance, and so my insurance must be " force placed '' This is not the first or even the second problem I've had with XXXX, but it is the most recent. 



To be safe, I purchasedMy mortgage servicer said to confirm my home address ith my insurance company.
Product: Debt collection

I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with Equifax because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.
Product: Student loan

I made a payment to mohela on XXXX to completely pay of XXXX, {$33000.00}. I received a confirmation email on XXXX that evening with the Confirmation # : XXXX and a statement that mohela will confirm the payment in 2-3 business days. My bank account shows that {$33000.00} was paid to the dept of education. 

Mohela never confirmed that the loan was paid off. 

I received an email that a message was available on my Mohela account around XXXX. I could not access the account because their were transitioning to another servicing platform. I did receive an email in XX/XX/XXXX that said my account would be transitioned on XXXX. The email did not say that my account would not be accessible. Since then, I can not access my account from Mohela 's old website. I called Mohela but I was not able to speak to someone due to work or the long wait times. 
When Mohela transitioned to their new website, I was not able to use my prior log in information because it was " not on file. '' I entered by SSN and personal information to request by log in information but that too was " not on file. '' Their old website still had my account " in transition. '' I never received an email from Mohela about when my account would be available. 

When I made an account on their website that I received an email stating that " Your account has transitioned to a new online platform. '' What was interesting about this new platform is that none of my prior payments OR my XXXX payment on XX/XX/XXXX was listed. In fact, the loan remained listed and accumulating interest. The payment is not even listed on studentloan.gov despite the dept of education receiving my payment. 
The new account does not have any of the prior messages I received from Mohela as well. 

I was able to speak to someone at Mohela about the payment to XXXX. After about 45 minutes, they were able to locate the payment. I was told the payment would not be processed in 90 days. They could not explain why it would take 90 days. They told me I would not accrue interest on XXXX. When I told them I was, they could not prove a reasonable explanation. 
When I messaged Mohela about the loan payment on their website, they just replied with my question
Product: Debt collection

I contacted XXXX at the company multiple times and she informed me her manager was handling these issues and removing me from the collections. It has never happened and the debt collection company keeps contacting me... I want to be removed and never contacted again...
Product: Student loan

On/about XX/XX/2020 I refinanced {$100000.00} in private student loans with XXXX XXXX, previously held/services by American Education Services ( Account # XXXX ), resulting in a negative balance of ( {$2200.00} ). 

On/about XX/XX/2020 American Education Services ( AES ) issued a credit/refund in the amount of {$2200.00} to XXXX XXXX, who is not the account holder, nor associated with the account in any aspect. 

I contacted AES via website inquiry about the refund of the negative balance as was informed that checks were sent to XXXX XXXX. I then contacted AES via the website chat feature and was informed that AES policy is to issue the excess payment back to the payer. That language is not written in any of the loan documents for those loans serviced by AES. AES states that XXXX XXXX will credit the balance of my new refinance loan, but that language is not written in the loan document between me and XXXX XXXX. 

In addition, AES confirmed that the total amount refunded is {$2200.00} ; which is ( {$6.00} ) less than the actual negative balance then on the account of {$2200.00}. 

I am lodging this complaint to ensure this money is accounted for, and moreover, that AES has fraudlently refunded money ( and witheld some portion of the refund for their own gain ) from an account to someone other than the account holder.
Product: Credit reporting or other personal consumer reports

I submitted a letter to XXXX major credit bearer and have not received any response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXX XXXX XXXX XXXX Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

I contacted Progress Management Collection agency on XX/XX/XXXX and advised that I would like to pay off the debt that is listed on my credit report. The amount listed was {$180.00} and that once paid, the item would be removed from my credit report. The agent stated yes, they report every a Friday, but it will be removed, so thats the amount I paid. I then reached out to the agency to again because the item is still on my report just to be told That the item on my credit report has not been paid, but yet another item was paid which I have no knowledge of and the item on my report was for my Daughter born XX/XX/XXXX and thats the item I was requesting to pay. They completely lied in order to collect on a debt that I know nothing about and can still reach out to XXXX hospital to take care of. I was the item to be removed from my credit report because thats what I paid In full and agreed upon.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. I was a victim of fraudulent activity and this is another request to remove the information and inquiries from my credit file resulting from alleged fraudulent activity. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in the previous FTC report and letter & I am including it again here with a new FTC report # XXXX. Also, the information you provided on these items are UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your another WARNING. Please REMOVE the ITEMS resulting from alleged fraudulent activity.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights : Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of iterns above.

You are required to do what 1 am asking and block these transactions from boing reported to my consumer report WITHIN 4 DAYS from the date of the recept of this notice : I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting or other personal consumer reports

Collections / Derogatory marks were removed/ deleted from my credit report and reappeared to negatively impact credit score and report from EQUIFAX failed to investigate collections before placing them on my credit report causing the same collection to appear twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX OF XXXX XXXX XXXX : {$390.00} ; XXXX OF XXXX XXXX Balance : {$540.00}.
Product: Payday loan, title loan, or personal loan

My husband and I have consolidated our loans and the consolidation company has already began payments, but one of the loan companies included in the consolidation keeps making harassing phone calls to both of us as well as friends and family. They have accepted the payment made by the consolidation company but insist on still harassing us in this manner. What can be done to stop them from calling not once a day but repeatedly throughout the day?
Product: Debt collection

I paid more than {$60000.00} in rent to XXXX XXXX XXXX  ' for my XXXX consecutive years of stay there. When I moved out, I returned the keys and cleaned the apartment. Yet, they made up some {$300.00} in charges that are a result of normal wear and tear after I moved out in early 2022. I contacted them multiple times to cancel the charges and they failed to reply or follow up. Almost 2 years later, they reported the amount to collections company 'Columbia Debt Recovery ' which resulted in an impact to my credit score. This apartment company is trying to scrape for XXXX  and few XXXX  impacting customers credit for few XXXX XXXX XXXX despite collecting several XXXX XXXX XXXX XXXX XXXX in rent from the customer who had a good record of stay never complaining about the rental company 's facilities.
Product: Debt collection

In the review of my personal credit report during XX/XX/year>, after receiving notification for collection of non-payment, it has been formally reported that there was an agreement of service, or substantiation of some form of rendering of service that was unpaid and since forwarded for collection. XXXX asserts that in early 2024, approximately, XXXX, there was an agreement of service. This agreement was never brokered by me or ever allowed for processing or review of my creditworthiness to participate.
Product: Credit card or prepaid card

After reviewing a credit alert on XX/XX/20, I noticed that my credit score had dropped due to my credit limit on my chase card being lowered. I had no knowledge of this being done. I called chase and they informed me that they had notified me however i never recieved any information from them. I contacted them and they advised me that the only way to revert my credit limit back to what it was would be to do a credit check which also would have a negative impact on my credit as well. I would like my credit limit restored to what it was prior to them lowering it without my knowledge which has a negative impact on my credit score. I actually believe that they lowered my credit score due to them purchasing my home mortgage from my loan originator and thus now having that loan on their books.
Product: Credit reporting or other personal consumer reports

I have a false report on my background check. I have a case number and a charge for XXXX XXXX  of a XXXX  under XXXX that does NOT belong to me at all. I went to the police department to confirm this as well. Provided is a photo of the actual police report with the case number and the background report with a completely different charge and case number.
Product: Checking or savings account

Received text message with security code on my phone Sunday morning. I do not have an account with Chime. I tried calling and emailing, spent most of Sunday trying to resolve problem. Never happened, their agents stopped responding. Tried calling, no luck got cut off every time in the middle of a call. No one called back. Was told 5 times they would respond Never heard back. Called Monday, they said I would hear back within 24 hours, never heard back. Called today and was cut off three times, Finally was told the owner of the account would have to remove the number. I sent them my bill showing ownership of the phone #. Not good enough. 
Horrible service, lies and incompetence at every level. 
I do not or have ever had an account with Chime, I want my number removed from this account. 

Thank you XXXX