23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is to inform you that on XX/XX/ 2017 I contacted the collection agency to have them validate the alledge debt till this day I have not received a response, the harrassing phone calls has stopped, the amount that is being reported on my credit report is wrong, it keeps going up and up every month, I would like for them to delete this account from my reports for they failed to provide me with any information pertaining to this alledge debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
Product: Debt collection

I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.
Product: Credit reporting or other personal consumer reports

Hello!

I found four unauthorized fraudulent hard inquiries on my credit report. Please help me remove them from my credit report.

See below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX  Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$68.00}, XXXX XXXX XXXX XXXXXXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, fingerhut/webbank Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vervent Inc. XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all XXXX bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Product: Debt collection

I asked FBCS INC to update the amount I owe on the collections balance and they refused to. I filed a complaint on XXXX XXXX months ago and they denied it.
Product: Credit reporting or other personal consumer reports

I have been identified as a XXXX XXXX  victim. I have inquiries on my credit report that are the result of that XXXX. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/
Product: Debt collection

A XXXX account was opened in my name in XXXX and never paid until it was closed in XXXX. I was never aware of this until last month L J Ross and associates hit me with a collection. I called both companies letting them know i was incarcerated in XXXX and didnt get out until the end of XXXX and that i had the documents to prove it. Both companies gave me problems and never once accepted the documents
Product: Debt collection

This letter is a formal complaint that National Credit systems is reporting inaccurate and incomplete credit information. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : National Credit Systems : {$300.00} Collection Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am filing this complaint against Exeter Finance LLC due to their failure to properly manage a secured debt account related to a retail installment contract for my XXXX XXXX XXXX This complaint pertains to Exeters unlawful handling of the security interest, violations of UCC provisions, and neglect in fulfilling their legal obligations following the issuance of a 1099-A and 1099-C. Despite repeated attempts to resolve this matter, Exeter Finance LLC has failed to respond appropriately, leading to substantial financial harm and ongoing legal concerns. 

Complaint Details : 1. Unlawful Security Interest and Failure to Release Collateral In XX/XX/XXXX, I formally submitted a cease-and-desist letter to Exeter Finance LLC, revoking all security interests related to this account. In that letter, I demanded Exeter release any liens, encumbrances, and claims over my vehicle and related proceeds, pursuant to Uniform Commercial Code ( UCC ) 2-209, UCC 3-306 , UCC 2-312, and UCC 2-711. To date, Exeter has failed to comply with this lawful request, retaining an unauthorized security interest that I have clearly revoked.

Additionally, I have filed a UCC-1 Financing Statement on the vehicle in ques
tion, asserting my secured interest and placing Exeter on further notice of my rights and priority claim. Exeters refusal to release their claim despite my valid UCC-1 filing constitutes a breach of fiduciary duty and appears to infringe upon rights protected under the UCC and other contract laws.

2. Failure to Address and Correct Reporting with IRS ( 1099-A and 1099-C ) In addition, a 1099-A and 1099-C have been filed concerning this account, signifying the abandonment of secured property and cancellation of debt. Exeter Finance LLC has not provided me with the necessary documentation and records to substantiate these filings or to demonstrate any resolution of the outstanding debt and security interests. Their failure to comply with tax and reporting obligations has created significant confusion and potential tax liabilities, as well as ongoing damage to my credit and financial standing.

3. Demand for Financial Reconciliation and Accounting Statements Despite my request, Exeter has yet to provide a detailed accounting statement for all transactions related to the asset-backed securities and insurance claims associated with this account. This information is crucial for verifying the legitimacy of charges and determining if excess proceeds exist that should have been remitted to me. Exeters refusal to provide transparency in this matter constitutes an attempt to conceal possible accounting misrepresentations and may involve securities fraud, as per UCC 9-210.

4. Failure to Cure Default Exeter has failed to take appropriate steps to cure defaults related to their breaches of fiduciary duty, mismanagement of funds, and unauthorized use of security interests. Despite my notice, Exeter has neither acknowledged nor addressed their contractual failures within the 14-day cure period, as outlined in my XX/XX/XXXX letter. This non-response further validates Exeters disregard for contractual and legal obligations.
Product: Student loan

My complaint is with Sallie Mae. Sallie Mae did an unauthorized credit search on myself and my co-signer on the XXXX XXXX and XXXX XXXX. Sallie Mae did not have are permission to run are credit. We were working to get a settlement with the company to pay back a personal school loan. And being that the payment was late because we were in dicussion with Sallie Mae. They reported it to the crediting reporting companies. Due to this happening. This has lowered my credit rating and my co-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for Experian, XXXX or XXXX to furnish this account ( XXXX  XXXX Bank ) and inquiries ( Factual Data, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
Product: Checking or savings account

A blonde female employee gave me do-not-bother-me attitude and pointed at instead of walking me to teller line. XXXX and another female employee were polite with no idea how to help me, mean while an oriental male employee was minding his own business. 

I received a dormant account notice for a CD non-exist to me. I understood I could be penalized with fees for early CD withdrawal and I had to leave for another appointment. 
XXXX promised to call me back next morning without why and what. Someone opened the CD without my knowledge. 

I did not recall any apology from 4 employees at Santander Bank XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there's a complaint earlier that I did and I'd like you to just send my complaint to all these Banks about not being able to open a checking account due to fraud on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

FEDLOAN SERVICING XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$5300.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective messages to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was u fair and deceptive as they did not comply with error resolution requirements u def the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I sore appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house in XXXX paid in full. It was even transferred at the county office. US bank home mortgage 5 years later is reporting late payments starting XX/XX/XXXX to XX/XX/XXXX when I havent owned a house sense.
Product: Mortgage

Mr. Cooper inherited my mortgage from XXXX XXXX at the end of XXXX. I mailed copies of each month 's proof of payment ( paid thru my on-line bill-pay ) for XXXX and XXXX ( paid to XXXX XXXX ), and from XXXX to : Mr. Cooper, Attn Notice of Error/Request for Information, Customer Relations : XXXX XXXX XXXX, XXXX, TX XXXX. I also sent a request for assistance to the address that received Mr. Cooper 's monthly payments ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ). Yet, every month I continue to receive emails stating that my payment is over-due. I received a letter dated XX/XX/XXXX, stating my " payment is now 30 days or more past due, and my loan is in default as of that date. '' ) When I phone each of the customer service numbers provided, the queue responds to my phone number and informs me that my " mortgage is paid in full ''. That info is referring to another property that was sold in XXXX ( or maybe XXXX ), not my current residence. 

Please process a complaint, and prevent my credit score from deteriorating.
Product: Payday loan

There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.
Product: Debt collection

I was notified by XXXX that there was a collection agency asking for a past due amount of {$930.00} dollars from an energy company in Texas. XXXX XXXX of XXXX XXXX. I have lived in XXXX XXXX since XXXX and have never been to Texas. I have called them several times, have sent them a police report/Idenity Theft report but they refuse to have this fraud charge taken off my credit report! I have also sent them my utility bills from XXXX XXXX as they have requested. Still no cooperation from them. I also sent all this info to the third party collection agency, Mercantile Solutions. As of today this fraud charge is still on my personal credit report.
Product: Student loan

This student loan was obtained in XX/XX/XXXX. Since then t it has been in & out of forbearance for many reason, but mainly because I was a single mother. In XX/XX/XXXXI got married and due to my husband 's income I had to start repaying the loan. A few times I did receive more forbearance 's. XX/XX/XXXX I was XXXX XXXX XXXX  with my XXXX child and I received a call that my paychecks would be garnished if I did not start repaying the loan. At that time I set up automatic withdrawals. I completed their rehabilitation program. I was then granted another forbearance and it was only for a few months. I was not aware the forbearance ended and received 5 late payment reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since that time I have been granted several more forbearance and made every payment due timely. Due to the fact that I was not aware nor received anything stating that my loan was due I feel that these late payments should be removed from my credit report. I have requested twice for these to be removed and Nelnet is acting unreasonably. Please help me. I will be paying for my XXXX XXXX loan probably until its time to send my own children to college.
Product: Debt collection

I was hounded by this company years ago, now suddenly theyre contacting me again. For what reason, I do not know as I am not in arrears with any credit holders
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to all 3 Credit Bureaus Experian XXXX XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Experian XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX ( XXXX & Experian ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX  XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus )