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

Recently receiving all this mail from NelNet, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Request for Copy of Form XXXX for Charged-Off Debt Dear WORLD ACCEPTANCE CORPORATION I am writing to request a copy of Form XXXX for the debt that was charged off and reflected on my credit report under # XXXX Account Number in the amount of {$2800.00}. As required by the IRS, I need this form for my tax records, as I have not yet received it. 

Please send the form to my address listed above. If you need further information, feel free to contact me. 

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

MACYS FRAUD DEPARTMENT REFUSES TO DO A PROPER INVESTIGATION INTO A FRAUDULENT ACCOUNT THAT WAS OPENED IN MY NAME ON XX/XX/2011. INSTEAD OF FULLY INVESTIGATING THE ACCOUNT THEY DEEMED IT AS MY ACCOUNT AND SENT IT INTO THEIR COLLECTION COMPANY. MACYS CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT ON MY XXXX FILE EVEN AFTER I SENT IN POLICE REPORT FOR IDENTITY THEFT ALONG WITH THE FTC FRAUD AFFRADAVIT. HOW CAN YOU TELL A PERSON TO ARRANGE TO MAKE PAYMENTS ON ACCOUNT THAT THEY NEVER OWNED.THE ONLY GOOD THING MACYS DID WAS SEND A LETTER THAT STATED THE ACCOUNT WAS OPEN ON XX/XX/2011. THE DATE THE ACCOUNT WAS OPEN DEFINITELY PROVED I AM NOT THE OWNER OF THE ACCOUNT BECAUSE I WAS ADMITTED INTO THE HOSPITAL FOR XXXX ON XXXX, XXXX, XXXX AND WAS DISCHARGED ON XXXX, XXXX XXXX. I HAVE SUBMITTED NEW EVIDENCE ( HOSPITAL RECORD ) TO THE MACYS FRAUD DEPT VIA MAIL AND I REQUEST THAT A NEW INVESTIGATION GET STARTED. MACYS HAS DAMAGED MY CREDIT FILE TO THE POINT WHERE THEY HAVE CAUSED ME FINANCIAL HARM. THEIR PRACTICES ARE UNSCRUPULOUS AND THEY DONT CARE ABOUT THE CONSUMER. WITH THIS NEW INFORMATION MR. XXXX HAS FURNISHED ME I WILL NOW CONTINUE TO SEEK THE ADVICE OF LEGAL COUNSEL.
Product: Payday loan, title loan, or personal loan

I have repeatedly told cash one to not use the card on file to make a payment and I revoked the automatic payment. But they are still taking money out of my account and will not do anything about this. They are harassing with their calls too. The cash one employees over the phone are beyond rude and disrespectful, and now they are taking out money without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A : States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX
Product: Credit card or prepaid card

For the past two months I have tried to use my XXXX XXXX Visa card. All transactions I tried to complete were declined. Today, I received a notice via XXXX XXXX that my XXXX XXXX card was closed. I called the number on the back of my card and it said " Your account has been closed '' and hung up on me. I called into a back door number to inquire and was told they couldnt discuss it with me, couldnt be appealed, and no one could change the decision if I wanted the card again I had to reapply. 

I have never been late, never over the limit. In fact every three months since I got the card I have received an increase and my I just received an offer last month for a special purchase rate promotion. The card has not gone inactive either.
Product: Mortgage

In XX/XX/2019, PennyMac was contacted regarding the VA 's approval for my Veteran ex-husband to take over the loan for a previous joint loan we secured on our main home. This was a court ordered agreement that he would retauin the home and through the VA process, securing the loan in his own name. PennyMac was provided with all approval documents in XX/XX/2019 and has failed to process the loan in 6 months. They have been called multiple times over the six months and have refused to do anything to investigate or expedite the processing of this loan, removing my name and placing the loan in the name of my Veteran ex-dusand, who now holds the title to the property per a court order. 

My social security number XXXX The property is at XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Diversified Consultants placed a collection for XXXX XXXX XXXX on my credit that does belong to me. They had no record or proof that my name was associated with the collection. These people are ruining hardworking individuals lives by placing fraudulent accounts on your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, the XXXX XXXX XXXX  recorded, against my credit score, a  false and untrue foreclosure. This foreclosure never took place, and a court order, to XXXX, ordered them to retract this false foreclosure. 
Subsequently, when the foreclosure was not removed from my credit score,  I wrote them, asking them to remove this false foreclosure, and other false statements that we had defaulted on payments to the XXXX XXXX XXXX, which we did not owe. 
As of todays date, XX/XX/2019, this false foreclosure is still showing up on my credit report. 
Attached are copies of 2 letters which I had sent them, and an article stating that all XXXX foreclosures are fraudulent and scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Debt collection

Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account. 

I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments. 

Thank you for your assistance to resolve this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from Rushmore Loan Management Services at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXXXXXX XXXX for over XXXX plus years then all of sudden it was sold to Rushmore I believe in XX/XX/2022. Then in XXXX Rushmore is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Hello Ive never checked my credit report or scores that often because I pay cash for almost everything, I finally decided to check yesterday and I seen that there was an error on my XXXX XXXX and XXXX stating I owed Franklin service {$110.00} from an Atnt account that I had at an address that Im not familiar with or have never stayed at, In another county in Florida and XXXX didnt give me any troubles because those were fraudulent inquiries or debts that I never owed them I would like to have this report so when I contact XXXX and XXXX they can remove there fraudulent, unverified transactions and take that address off my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Debt collection

On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EQUIFAX with no successful resolution. There was definitely an error on their part. I've disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Score Removal Due to Data Breach and Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of my credit score due to a data breach that compromised my personal information and has resulted in severe inaccuracies on my credit report. My financial records now contain incorrect and misleading data that do not reflect my actual credit history, and I am facing significant challenges as a result. 

I recently became aware that my sensitive financial data was exposed in a breach. Since then, I have noticed substantial errors in my credit report, including accounts that do not belong to me, incorrect balances, and other fraudulent activity. These discrepancies have negatively impacted my financial standing, and despite my attempts to dispute them with the credit bureaus, they remain unresolved. 

Given the circumstances, I am requesting that my credit score be removed or reset to ensure that I am not held accountable for inaccuracies stemming from the breach. I believe that maintaining this flawed credit score is unfair and detrimental to my financial well-being. 

I kindly ask the CFPB to intervene and assist in rectifying this situation. Please let me know what steps I need to take or if additional information is required. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Fraud file : I have constantly disputes the following account directly with Equifax, over 6 months. The following account are only showing with Equifax, and they have ignored me without proving me from where those accounts are coming from. I even send them a police report proving that they need to investigate those accounts, ( police report was sent on XX/XX/XXXX ). My credit report have been delinquent with information that doesn't belong to me, this PROBLEM is ONLY with EQUIFAX. Also I am concert that the reputation and consumer information of Equifax was stolen not long ago, and now I am paying the price of their fraud. 

How I want you to solve this problem : To call accountable EQUIFAX for the accounts that are reporting on my report, and deleted them as soon as possible. 

Those are the accounts information : 1 ) XXXX on XX/XX/XXXX for {$3400.00} 2 ) XXXX on XX/XX/XXXX for {$1000.00} 3 ) XXXX on XX/XX/XXXX for {$1000.00} 4 ) XXXX on XX/XX/XXXX for {$670.00} 5 ) XXXX on XX/XX/XXXX for {$980.00}
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. BLOCK REMOVE AND DELETE FROM MY CREDIT FILE DNF ASSOCIATES {$1500.00} XXXX XX/XX/scrub>XXXX XXXX XXXX
Product: Debt collection

Issue details 1.When I vacated the property, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, back in XX/XX/XXXX, I did request property manager to come for final inspection, but he didnt show up. We did clean up and handed over the property the same condition as it was given to us. I paid the rent until last date, pls find attached copy of final check. And they said, after I move out, they will return my deposit, which they never returned! There are no outstanding rent from my end. 
2.After leaving the apartment, I am not sure what work they did, but they charged me {$2100.00}, as changing carpet and painting etc. I lived there less than 1year, not sure on what basis they spent this replacement? 

a ) Apartment manager never notified us or given any quote before spending their expenses ( as per California law, landlord required to give 30day notice prior to repairing the premise ).

b ) Apartment manager never did walk thru to check the property. When they sent me letter quoting some charges, I replied back to them that these are invalid charges, pls find attached multiple letter sent to them as registered post. But they never responded back to my letters instead they gave it to collection agency. 
3.Pls find attached claim # XXXX filed and its clearly mentioned that it should not affect my credit records.
Product: Debt collection

On XX/XX/2023 I paid a past due debt with XXXXXXXX XXXX card. On XX/XX/2023 I received a letter from Jefferson Capitol regarding this debt as unpaid. On XX/XX/2023 I reached out to Jefferson Capitol and was directed to call XXXX. I then chatted online with XXXX from XXXX and was directed to call Jefferson capitol. I once again called Jefferson Capitol and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be corrected promptly. 
XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$520.00}