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

1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Per the FCRA 611 ( 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 shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

My account has been limited this is not the first time this has happened it is about the XXXX XXXX all money frozen business shut down completely, all because I disputed charges. My account has been open for over 25 years and I have been a loyal customer that has never filed a dispute on a charge numerous charges that I should have in all these years and this is the type of treatment that I get for my loyalty and bringing truck loads of money to paypal over the years through this and numerous other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notification from my XXXX app saying that a collection hit my account for XXXX. I have not been to XXXX so I dont understand why XXXX is hitting my credit. I called XXXX and disputed the collection of of my credit. Not only did it drop my credit tremendously but it showed on my account again today. I believe I am a victim of identity fraud. I have reported identity fraud before and this is getting really frustrating. I shouldnt have to worry about my score dropping due to something that does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX I deposited a mobile check I received via email for {$3500.00} as a payment. Within 20 minutes of submitting the deposit, the sender began to give threats to my life if I did not send back to the money within the next 10 minutes. I returned the money using XXXX through my Wells Fargo banking app to the email they directed me to send to, as I did not want to chance these threats to be true. Wells Fargo had placed these funds into my available balance so I believed the funds to have gone through and that the check had cleared. This was not the case, and on XX/XX/XXXX I received an email from Wells Fargo stating they were taking the already returned {$3500.00} out of my account due to forgery because the check they sent me bounced and was fraudulent. I submitted a claim to Wells Fargo on XX/XX/XXXX as soon as this happened, and it is XX/XX/XXXX and I am still waiting to hear anything from them on the status of this claim. I have tried to call 10+ times and get passed around until closing time, where they then direct me to call in the morning. I have filed a police report with XXXX XXXX police department ( case number XXXX ), and still am not getting a resolution nor has my stolen {$3500.00} been returned to me. I have now lost an additional {$720.00} because of Wells Fargos lack of care to address this claim, as my rent got returned even though the funds were available at the time i paid the rent, but because they processed the payment after I had to put a hold on my account, the money got returned to the negative balance and I have been unable to pay my rent and am incurring late fees because they will not actively tend to our claim and return the stolen funds.
Product: Debt collection

I am contacting National Credit Systems regarding complaint # XXXX & # XXXX. Your company has had more than a few months to provide information regarding the line items on the report you provided. You can not lie about a debt and this is in violation of FDCPA and FCRA. Your company is also perpetrating a fraud. Your company refuses to remove the debt and now it appears you've closed the account and reported with negative remarks. You are to remove it as you have no proof of the line items and can't validate the debt. I'm disgruntled and your company has made false misrepresentation and has made me look bad as a consumer. I want your information so that my lawyer can contact you as you have refused to remove the debt.
Product: Debt collection

I am unsure who this creditor is what is owed and was not notified that it was going XXXX my credit.
Product: Debt collection

I have reached out to the credit bureaus and CFPB about this debt that i do not owe. Someone used my identity and tried to apply for several things under my name including a appartment! I have never lived nor stayed at the Landing appartments in XXXX, TN. I have previously provided the company XXXX XXXX XXXX XXXX XXXX XXXX ) as well as transunion, XXXX and experian with copy of my idenity theif report and yet this item from XXXX XXXX XXXX is still reporting false information on my credit report. This is hendering me from being able to relocate and causing me to look bad! This is not fair and this item needs to be removed right now! I have not gotten a reponse from this company and i sent thema request for validation letter on XX/XX/2022 and as of today XX/XX/2022 I am sending them a demand letter for them to respond to my inital letter. This is a Clear Violation of the Fair Credit Reporting Act and yet there is nothing being done about this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the XXXX data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per XXXX law.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I had requested the application of the Servicemember 's Civil Relief Act to my account. Per Louisiana Statute 29:312 : XXXX XXXX XXXX? XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

I had attached a copy of my orders assigning me to XXXX XXXX, Louisiana as well as my enlistment contract to show evidence of my current residence as an XXXX XXXX member within the state. However, Omni XXXX  Loans is unwilling to comply with state laws.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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

An agent with XXXX XXXX ( collection agency ) called my work three times today and my mobile phone three times today ( XX/XX/2019 ) while I was at work. When i left work I called the number XXXX XXXX XXXX XXXX XXXX and spoke to an agent named XXXX. I stated that I had received several calls from this number today and please not to contact me at work. He then interrupted me when I was trying to ask him why they called so many times by telling me, " we'll call your employer as many times as we want especially when we garnish your wages '', and then hung up the phone. I called back the same number and he answered again. I then asked him to please repeat what he said to me before he hung up and he replied, " well you better think again if I'm going to allow you to set me up ''. He then hung up the phone on me again. So I called back and this time someone else answered the phone and asked me my name, I told them my name and he repeated it loudly and then asked me to hold. A few seconds later he then hing up on me and I have not tried to call back. At no time did anyone tell me why they were contacting me or how much I owed and for what/who they were collecting for. If they refuse to speak with me then how can they initiate a garnishment on my wages?
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Portfolio collection associates opened lawsuit and sent notification of lawsuit to house I moved away from now 16 years ago, half a state away. Gained default judgment since I had no way of knowing about debt lawsuit. Now they have moved collection hearing to local court so they can collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I tried disputing incorrect medical bills on my credit report. They removed all medical bills on my report except for one. I added new information and tried disputing the medical collection again because the collection company, XXXX. XXXX, XXXX, is refusing to provide an itemized bill in order to verify the amount the claim that I owe. Experian will not allow me to dispute this issue. The website claims that I have to submit new documents. I submitted new documents but it still will now allow me to dispute the medical bill.
Product: Debt collection

I disputed directly with Louisiana Recovery Service about this account. I was told that it would be removed from my reports on the next reporting cycle, yet it is still there. I respectfully request that it be removed immediately. I have the documentation stating that the debt was cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there was a new account which is erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of Collection Bureau accounts... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX already deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate ; they did not provide a signed contract nor a signed HIPPA release giving them permission to discuss my medical with them or anyone and did not provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida. I noticed as a result of challenging this account with Equifax they have verified these same accounts. It is my understanding that the original creditor reports the same information to all credit bureaus as expected under FCRA. Equifax was not able to provide...

1.Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2.Provide a 1099c for each account since this account was originally charged off, 3.Provide the ofiginal signed contract with Collection Bureau for each account, 4.Provide HIPPA documents with my original signature for each account, 5.Provide collections license number, 6.Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitationsin Florida for each account, 7.Provide information referencing this account was either purchased or collecting on the original account holders behalf.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my consumer file. These unauthorized inquiries reporting on my consumer file do not relate to any transaction initiated by me. I need help with disputing with the credit reporting agency directly. I am requesting that you delete this inaccurate information within four days. I have attached the appropriate documents to support my dispute being proof of identity, social security card, and a ftc report.
Product: Credit reporting or other personal consumer reports

I CALLED EXPERIAN TODAY XXXX SPOKE WIHT SUPERVISOR XXXX of Special Services He said Experian verified Bankruptcy with XXXX I told Experian supervisor XXXX that CAN NOT be accurate because I have a letter from XXXX stating that there is no Bankruptcy record on my consumer report ( please see attached letter from XXXX ). He failed to removed the unverified information from my Consumer report.

I Have ask Experian several times to verify Bankruptcy as per : 15 USC 1692 ( B ) & 15 USC 1681c-2 Private investigation NOT THIRD PARTIES : Name, address, phone number, certify copy of judgement of public record relating to bankruptcy NONE HAS BEEN PROVIDED TO ME!!!
Product: Credit card

Examine the attached documents. I urge the bureau to commence an examination into these accounts, as they consistently mark me as overdue despite my timely payments.
Product: Credit reporting or other personal consumer reports

Failure to Address Dispute : Despite submitting documentation and providing clear evidence to support my dispute, Experian has failed to correct the error or provide a timely response. This has had a significant impact on my credit score and ability to access credit. 
Steps Taken to Resolve the Issue : I have attempted to resolve this issue directly with Experian by submitting a dispute online and calling customer service. Unfortunately, these efforts have been unsuccessful, and the problem remains unresolved. I have also provided the necessary supporting documentation to prove the error, but it seems Experian has not acted on this. 

Impact of the Issue : As a result of Experians failure to accurately report my credit information or address my dispute in a timely manner, I have faced a lower credit score resulting in difficulty purchasing a car. This situation has caused me undue stress and financial harm.
Product: Debt collection

I recently noticed several accounts on my credit report that I suspect were added without authorization and appear incorrect. Please ensure these fraudulent accounts are removed at once.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX with account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account number XXXX Inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH AFFIRM INC LISTED WITHIN MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to XXXX and Affirm and they both refused to follow the FCRA guidelines.
Product: Debt collection

Select Portfolio Services is charging excessive fees for a foreclosure that was dismissed XXXX year prior to my lloan being transfered from XXXX XXXX XXXX, who was sued by CFPB. My loan was transfered to SPS instead of being properly serviced. Select Portfolio Services has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

Select Portfolio has co-mingled my mortgage loan payment with these bogus fees... According to XXXX XXXX the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. SPS obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that SPS is fair in its trade practices.
Product: Debt collection

On XX/XX/2023 I signed up for mobile services with XXXX for internet and wireless services. XX/XX/XXXX the equipment was delivered. XX/XX/2023 I cancelled the services. I contacted the vendor and I was provided labels to return the merchandise. XX/XX/XXXX the equipment was returned through the postal services. The equipment was returned with labels provided by the company. XXXX proceed to withdrawal electrical funds without consent for XXXX  month. My bank tried to contact the vendor without resolution. My bank refunded me the cost. XXXX removed funds 3 times. XXXX sent me to collections. I sent a letter to Diversified Adjustment on XX/XX/2023 requesting proof that I owed the bill. As of today, I have not had any response. I'm trying to obtain a mortgage and I can't with this bill on my credit. I am demanding this be removed from my credit, since it is not valid. 
If needed I have proof of documentation. Also, I never opened the box or turned on the internet or mobile service. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due TO THE NEGLIGENCE OF EXPERIAN, XXXX, AND XXXX ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER 78!! 3RD PARTY AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST XXXX XXXX XXXX  BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Debt collection

My credit file has fraudulent activity on it and I disputed it to the FTC and filed a police report. I also added a written statement to the report about the account not being mine. I had my FTC reports notarized in the courthouse. I also added a FCRA 605B ( 15 U.S.C. 1681c-2 ) report to my claim to have negative inaccuracies blocked from my file.The accounts Im disputing should have been blocked and deleted from my account in four days. Unfortunately thats not the case. I havent received anything from XXXX  or Equifax explaining that they are responding to my dispute.
Product: Student loan

I graduated from XXXX XXXX XXXX  XXXX in XXXX with debt over {$150000.00} in private and federal student loans. After years of paying, I realized that the private loans listed my school as XXXX XXXX XXXX XXXX XXXX. I never attended that school. The error made me concerned that other data in my account might be wrong too, like the amount owed. 



As of XX/XX/XXXX, Navient claims I still owe {$23000.00} from attending XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

My tax refund was sent to my bank USAA and deposited into another account. I have no idea what to do.