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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

My complaint is that I recieved an offer to settle a debt from XXXX XXXX XXXX XXXX, on behalf of Navient Solutions, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and Navient on multiple occasions and both agencies refuse to respond. Each time I speak to Navient about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX still have accounts reporting to my consumer report after Ive given them a written statement as a victim of identity theft, the police report and the FTC report. I did ask for all credit bureaus to Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Its exceeded the 4 business days. Ive attached all documents Ive sent to the credit bureaus Im asking for assistance in helping me in force the consumer laws and my rights and removing the accounts that were not made by me.
Product: Credit reporting

My complaint is against the credit bureau Experian. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Experian has signed the receipt for certified mail and I have sent them my request for Experian to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Experian seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX ( XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Experian is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Experian is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX pm, ALL of my assets with the Gemini Trust Company , LLC, were transferred out of my account, without my authorization. I do not know the destination of the assets, and despite XXXX emails to their customer service, ( XXXX ) Gemini has made no effort to track the assets or identify the thief. 

The amount of the assets were approximately {$16000.00} in digital currencies and {$4900.00} in XXXX dollar cash. ALL the funds were withdrawn on XX/XX/XXXX. 

I would be grateful if you could tell me the next step to take in pursuing these stolen assets. 

thank you.
Product: Debt collection

Dear Credit Collections In regards to the two accounts - XXXX and XXXX, it has been brought to my attention that you claim that I owe {$100.00} to XXXX and {$330.00} to XXXX. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus.

That being said, your full cooperation in deleting this account in exchange for payment is appreciated.

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$430.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement.

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me.

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

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

When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX  XXXX XX/XX/XXXX Transunion, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion 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: Credit card or prepaid card

This is a complaint that was closed because the credit card company responded to you, but they didnt respond to me. Complaint number XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to contact this credit monitoring service without result. Difficulties in calling time and information requested by this company is more than necessary. Incorrect information on my report, including names and non-mailable addresses creating negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Verification of Charge-Off and 1099-C for acount # Dear AspireXXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number [ Your Account Number ]. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. 

Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. 

If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. 

If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 

Thank you for your cooperation in providing the necessary documentation for this verification process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a balanced owed on my credit report. I do not owe them any money. I disputed their reporting with the credit burea and here in an early complaint. The result was that the account was removed from my report. 

Now it has reappeared under a collection company, Hillcrest Davidson & Ass. 

I still don't owe them any money and the new account should be removed just as the last one was.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called EXPERIAN, XXXX, XXXX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( XXXX, XXXX AND EXPERIAN ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to EXPERIAN, XXXX, AND XXXX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate.

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX XX/XX/XXXX confirmation of last letter received by EXPERIAN dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic disclosed information to XXXX XXXX XXXX. I call and requested a copy of the report. I was told that it was not on file. I am requesting a copy of file from CoreLogic and a deletion of my file from all credit bureaus, XXXX, XXXX, XXXX. I have placed a security freeze on my CoreLogic information XX/XX/2018 the information was solicited XX/XX/2018.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Product: Credit reporting or other personal consumer reports

Even on the weekend this predatory company lied and sends notification that are absurd, STILL WORKING ON THE ISSUE is a complete lie they are doing nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

Adverse Action ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by Ally Bank On XXXX XXXX, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). Ally Bank has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ XXXX 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ally Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Student loan

I was in college from XX/XX/XXXX until XX/XX/XXXX and during that time XXXX XXXX was charging me interest while I was currently in school. I sent transcripts on many different occasions yet my loan was still increasing. I began to pay on it until I realized that I should have to if I 'm actively in school. I asked for deferment while i was unemployed they agreed but turns out thet werent putting it on my account so my amount continued to increase. I then got re enrolled in school and have been in since XX/XX/XXXX and I get calls almost everyday about my loan and the amount goes up every month again while I am still actively in school. Have sent multiple transcripts to many emails and nothing is stopping the harrowing calls and emails.
Product: Credit reporting or other personal consumer reports

student loan on my acct has been closed and updated to good standing. As I was also in forbearance, and report should not have any negative impact on report. All XXXX credit reporting company show past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked in the equifax data breach. I need all negative information deleted from my equifax credit profile.