23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account number # XXXX with LVNV FUNDING LLC as shown on XXXX. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

an address is reporting to my Equifax XXXX and XXXX that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address
Product: Credit reporting or other personal consumer reports

I am a victim of fraud identity theft. I have filed a police report with local authorities. Dicover bank or discover card has said I have opened an account XX/XX/2018 and charges made of XXXX. I have sent my police report to all three credit bureau and discover card twice now disputing these charges. The company discover card is not helping me resolve these issues. I have hardly any information about this account. Where was the bill going all this time and years? Why am I just now seeing this bill at my house? The local county investigator has been contacting me about the crime thats been committed against me. This is not my debt and I have never had a dicover card ever in my life and my credit has been great for 30 plus years!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

I wrote a check on XX/XX/XXXX that was stolen. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my local branch sent out a notarized Affidavit of Forged or Altered Checks, each filled out slightly differently. I don't know the details, but apparently they were denied. I went back to the branch yesterday, XX/XX/XXXX, and was told that it takes ten days to process.
Product: Checking or savings account

As of XX/XX/year> I have received a debit card in the mail that I did not request. I tried calling the bank to get the card cancelled and the account closed. I got bounced around to a few people, all saying they were not able to close the account that was in my name because of how young the account is. I was even transferred to their fraud department, yet was unable to close the account even though there have been no transactions on the account. The card has not been activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting an erroneous debt on my credit file that must be removed. I have been disputing this account with CBE Group and they continue to report. I have sent several letters to obtain validation of the debt and have never heard back. This is a violation under the FCRA and it must be removed.
Product: Debt collection

I spoke with the company General Revenue Corporation in XXXX of 2018 and they advised me that if I paid off my debt in full they would remove the mark from my credit score. Now 2 years later I apply for a mortgage and discover the collection is still listed on my credit report. I attempted to call the company to give them a chance to remove it assuming it was a mistake, and they inform me its company policy for them to never remove from a credit report. This contradicts the deal that we agreed on when I originally agreed to make the payment. The manager acknowledged they do have the ability to remove, but due to their company policy they will not do so. I would caution all those who are being contacted by General Revenue Corporation to be wary of payments back to the company as they will tell you they will remove from your credit report, but will not do it.
Product: Credit reporting or other personal consumer reports

I am contacting whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt concerning Account # XXXX with XXXX XXXX XXXX, as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer per 15 USC 1681 ( a ) ( 4 ). I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time all furnishing and collection activities must cease through all mediums, including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Thank you for your attention in this matter, By : XXXX, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Debt collection

I'm was not aware of this debt by this collection company and did not have the opportunity to dispute. In addition, this is a re-inserted, which is against the law per the Fair Credit Act. 

Please provide the assignment of debt, method of verification, validation of debt and copy of certified mail with receipt, showing I knew of this debt. 

In addition, XXXX XXXX XXXX # XXXX had this account and it was DELETED. 

Then popped back on my credit report with DIVERSIFIED ADJUSTMENT # XXXX This account was re-inserted!
Product: Mortgage

In XX/XX/XXXX, I submitted a dispute regarding incorrect information being reported on my credit report regarding late payments on my mortgage for the months of XXXX, XXXX, and XX/XX/XXXX. I was told by a PHH mortgage representative, that the situation would be corrected. This was not the case and my credit plummeted a 100 points, which caused a devastating effect on my creditworthiness. This effected my lively hood and any chances I may have had obtaining any financial freedom. I have disputed this matter with all three credit bureaus to no avail. I have documented proof that clearly shows that payments were made during the months in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow online access to online release of a credit freeze without paying them {$14.00} a month for premium plan. Their available phone numbers listed on my account will not transfer to a live representative nor do they provide a email address I am able to release and reinstate freeze at the other agencies online. 
I BELIEVE THIS TO BE A FORM OF PREDIATORY BUSINESS PRACTICE. 
IN AN EFFORT TO OBTAIN REVENUE. .They were the one that had me set up the free membership which appears to be for sole purpose to email spam and solicitation of premium membership. 
When you finally get through their automated phone menu they want you to send them your SSN, copy of driver 's license, utility bills, address and Birth date in an envelope address to them. Everything that could possibly be use to steal an identity clearly marked to a credit agency.
Product: Credit card or prepaid card

Dear XXXX XXXX or American Express Bluebird : AsAmericanExpress continually closed my requests by refusing to take further action to ascertain that my dispute is valid for my loss of a {$400.00} from a failed ATM machine, I again write to make a final request for further action and fair resolution. If my request is not reconsidered for a fair resolution, my last option regrettably will rely on legal assistance to help myself recover my loss or settle the dispute. Thank you for a reconsideration and look forward to your prompt reply and cooperation XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge, did not gain from or never consented to any of these fraudulent inqyiries that are reporting to my consumer report. Remove immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan statement includes a message on the impact of bankruptcy. I filed bankruptcy in XXXX which was discharged in XXXX. I did not include my mortgage in the bankruptcy. I have asked the mortgage company to remove the message off of my monthly statement. Their response is that once a bankruptcy is filed regardless if it was included in the filing, the message remains on the statement until the loan is paid off. My argument is that keeping this message on the statement has no business purpose. If it is does not apply to all customers, then it should be removed when it no longer applies to any customer.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Product: Mortgage

I was approved for a loan modification ( Account XXXX ) due to COVID 19 on XX/XX/XXXX with XXXX. My loan was purchased by Carrington Mortage on XX/XX/XXXX and transferred on XX/XX/XXXX. When the account was transferred I noticed the mortgage account was in collections and then place into a forbearance. On XX/XX/XXXX I called spoke to XXXX whole told me to fax my loan modification documents to XXXX and the modification would be honored. I did this. My first payment was due on XX/XX/XXXX. I called XX/XX/XXXX again and spoke to XXXX who told me although the account was locked I could call XXXX to make a payment and my payment would be applied to the modification. I called in XX/XX/XXXX to make the payment for XX/XX/XXXX, I was informed by the rep the payment was for the new modification. She stated I could make a payment online and my payment would be reapplied once my account was updated. I made the payment on XX/XX/XXXX. I called on XXXX, XXXX, and XX/XX/XXXX asking about the account, my loan modification, and my payment. All reps stated nothing to worry about. Today I received an e-mail from XXXX stating I needed to make another payment in XXXX of XXXX in order for the modification to be finalized in the system. I have also received 5 collection notices threatening to take my property, which is improper if I am currently in a modification or even Covid 19 forbearance.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which were recently verified despite their inaccurate representation of my credit history. I believe the verification process was not conducted in compliance with the Fair Credit Reporting Act ( FCRA ) and its relevant provisions. 

XXXX XXXXXXXX XXXX XXXX # XXXX Violation : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) The account details provided in the credit report are inaccurate and do not reflect the true history of my payments and credit standing. Furthermore, the reported delinquency does not accurately represent my payment history. 
XXXX XXXX # XXXX Violation : Failure to update or correct inaccurate information under FCRA 611 ( a ) ( 1 ) ( B ) The reported delinquency of 120 days in XX/XX/2023 is not accurate as there were no outstanding dues during that period. Additionally, the account balance and credit limit information do not align with the actual terms of the account. 
I request that you investigate the above accounts in accordance with the FCRA and ensure that all the information on my credit report is accurate and up-to-date. Please provide me with a detailed investigation report and make the necessary corrections to my credit report as required by law. 

Enclosed with this letter are copies of relevant documents supporting my claims, including payment receipts and account statements. 

I appreciate your prompt attention to this matter and expect a response within the statutory period of 30 days as stipulated by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX RE : XXXX Complaint against Macy 's Hello, I did not appreciate CFPB closing this complaint before I was done. 
I am paying Macy 's although I do not owe the money. They are a huge company and very aggressively attacking me. How can I pay a dept that, first, I do not believe is mine, and second, they will not send me a statement! 

When I called Macy 's I was told I had a balance of {$160.00}. I sent payments equaling {$170.00}. I received a letter from XXXX XXXX, from Macy 's, dated XX/XX/XXXX saying I still owed {$56.00} and about 20 pages from when I had an account back in XXXX. All useless. 

I am paying the {$56.00}. NOT because I owe it, but to get rid of them. 

I want to thank CFPB for getting this to the point of resolution. Macy 's ignored me, refused to email me using my new email address, refused to mail a statement to my physical address, which they have. 

It took CFPB to get to the right address and person. Although the outcome gives Macy 's {$56.00} it is a small amount to pay to have Macy 's leave me be. 

Thank you so very much.
Product: Student loan

I work for a XXXX XXXX XXXX XXXX XXXX  plan. We offer Medicare advantage, which is considered a saftey net health plan. Saftey net health plans do qualify as a public service for the elderly. 

Despite this, my employer has been labeled as not qualifying as an employer for PSLF. Because this informatoin is not redily available, my employer will not 'check the box ' that they offer a public service for the elderly. This is causing my loan forgiveness application to be denied, despite the facts presented above. 

Non profit companies ( not 501c3 ) have no guidance on whether they are qualifying employers, despite the fact they can be qualifying employers. Can you please help confirm the qualifying status of a non profit health plan who offers medicare?
Product: Checking or savings account

On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.
Product: Debt collection

I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX **************** {$6800.00} XX/XX/XXXX XXXX  XXXX ************ {$4700.00} XX/XX/XXXX XXXX **************** {$3500.00} XX/XX/XXXX XXXX  **************** {$2200.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

not authorized inquries on my XXXX credit report