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

I sent this company 2 letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with XXXX and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Wells Fargo : This is Predatory lending : I was predatorily places on a loan as a co-signer, a loan I could not possibly qualified for, since I already had a mortgage on my primary residence. I was not on title or have any Ownership interest in the property, I did not reside at the property, since I had my own homestead. I certainly could not afford to pay and would not pay this mortgage if the owner fails to pay. All part of 2008 sub-prime loan debacle, lenders shuffling paperwork to get loans approved, some borrowers got loan modification, short-sale, banks bailouts. As a co-signer I got nothing, but problems, which was never fully disclosed to me, as was required by law : 12 CFR 706.3 - Unfair  or deceptive cosigner practices. No one explain or provided the disclosure that this loan will prevent me from qualifying for other loans and will affect my credit score, I got no disclosure. The Lender representative was only interested in getting the documentation to get the loan approved. 12 CFR 706.3 - Unfair or deceptive cosigner practices.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX XXXXXXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXXXXXX XXXX  ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} ) XXXX XXXX ( {$5000.00} XXXX XXXX  ( {$990.00} ) XXXX XXXX ( {$3600.00} ) XXXX XXXX ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 or other personal consumer reports

Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. XXXX Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following hard inquiries have been disputed several times and they are still on my XXXX equifax and XXXX credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA
Product: Student loan

The Department of Education required updated income details to be submitted by XX/XX/XXXX as payments resumed. Under threat of increasing my payment to the standard 10 year amount, I did what I was told. 

Submitting these details resulted in XXXX problems. 1 ) my payment was calculated without considering my spouse 's income, resulting in a doubled payment amount and 2 ) the deadline requiring this information to be submitted was then extended to XX/XX/XXXX and a release ( see XXXX XXXX XXXX  ) was put out describing that those whose payments were increased would have their payment amount reverted to the prior amount. The first problem was corrected before XXXX with much effort on my part. The second issue was not corrected. 

I have spoken to countless agents. Most of them have said that " many payments '' have been returned to their prior amount and that it's only a matter of time until this has been done for me. Applications have been submitted numerous times but overall, nothing has changed. 

Over the last XXXX  months, I have attempted to work closely with XXXX and the Department of Education. Many agents have promised that my payment will be returned to {$0.00} and nothing has been done. Most recently, on XX/XX/XXXX, I spoke with XXXX in XXXX  and submitted a statement from an email from XX/XX/XXXX as proof that my payment had previously been authorized to be XXXX and was assured this should take care of the problem. While this is information the DoE should have, I was assured they did not. " It usually does in this situation. '' As nothing happened to my payment amount over the last XXXX weeks, I contacted another agent, XXXX in XXXX  on XX/XX/XXXX. After placing me on hold to " get help, '' I was told that they had received my documentation but that my income details would need to be submitted again. I have been told and promised that my payment would be reverted to what it was previously in XXXX, and this has not yet been performed. Most recently I asked to speak to a supervisor, XXXX XXXX, and was told that I would hear from them by phone, but did not. 

I have been patient. I have provided proof of what my prior payment was. I have been patient with the transition process from XXXX and the Dept of Ed. This has become ridiculous. They need to follow through on their promises and stop misleading me. Happy to provide documentation as desired but this entire painstaking process should be well documented in their systems.
Product: Debt collection

XXXX XXXX XXXX reported on my credit report On XX/XX/year> that I owe a debt of {$3700.00}. Upon contacting them to get information in regards to this collection since there was none listed on my report, just the collection company it was stated from the rep that it was transferred to them from XXXX as you can see in my previous report, which was another collection agency from CashNet USA. I have been dealing with CashNet USA since collections has been placed on my report and each time I have to dispute this and here I am again. This collection is almost eight years old from what I have been told and recently started appearing again on my credit report after each prior collection agency returned it back to CashNet USA as they constantly try to collect on a fraudulent account as well as list this in my report. I have reported not only to my credit bureau each time and they all get removed/ I have told Cashnet each time this is not my account, nothing has been sent nor delivered to me for almost 8 years. Upon calling this new collection agency, they had explained that I need a police report. As you can see from my previous complaint, the other collection agency sent my account back to CashNet. Every year it seems as if a new collection agency is trying to collect on this loan of eight years per the new collection company. I am furious as I have done everything possible to get this removed from my report and to not appear on my report every single year. This is not nor has it ever been my account. The rep stated there are a lot of people with my name, etc yet the addresses does not match any address when I asked the address on file. I have never lived at the address they have on and all they do is update it when they ask for a new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with Wells Fargo. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Payday loan, title loan, or personal loan

understanding that I would get a loan at a better rate for longer periods of time, this I did not get.I was one of lendup customers in XX/XX/XXXX-XX/XX/XXXX, last account # ending in XXXX, this lendup was ordered to payback money by the cfpb in XX/XX/XXXX, please tell me where to get back whats mine
Product: Checking or savings account

I have a dispute with an account with Compass Bank with a merchant who refused to cancel a transaction and shipped the item ignoring my cancelation request. Today I received an email I believe violates my rights to service with the company for services I am entitled to as an account holder. Compass Bank states that because of disputes all of which are valid I run the risk of account closure which makes no sense. I have never read of being threatened with account closure for services included as an account holder.

The merchant taunted me throughout our communications and the package had been refused and forwarded back to the senders.

Order time & date : XXXX XX/XX/2018 Amount of {$46.00} The transaction was unauthorized when I initiated the cancelation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND EXPERIAN HAS YET TO REMOVE THE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF OFF OF MY CREDIT REPORT. Legally, unauthorized items, inaccurate information and errors must be removed immediately. I have contacted EXPERIAN numerous times to remove the information that i have no knowledge of. I am reporting to CFPB because i demand to get these false collection accounts off of my report immediately. I am not liable for this debt with the original creditors. I do not have a contract with collection agencies that are trying to collect for my credit report. They do not provide me with the original contract as requested. 

Accounts : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX XXXX, and equifax multiple times.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

I have, and continue to, receive nuisance robo calls from various Georgia area code numbers with the name listed as 'PORTFOLIO RECOV ''. This has been happening for at least seven months. I have excellent credit rating and have no delinquent debt so I know this isn't legitimate. I keep blocking numbers and they keep calling from different ones. They never leave a message. Here are the latest calls : XX/XX/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 That is just from this month. The earliest call I still have on my phone is on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This has been happening for longer than that, that's just as far back as my phone is keeping history of calls.
Product: Credit reporting or other personal consumer reports

I had Navient as my student loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was XXXX XXXX  a class of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in GREEN highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements.

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American express has been stalling and i did everything one can ask for. i sent them the remittance coupon to settle the debt. They are just been stubborn and hard headed. these people are greedy. At this point I am covering my tracks to show prove to the pending lawsuit as evidence of them refusing to credit the account. on XX/XX/XXXX they sent me an email that they will be closing my account on XX/XX/10 XXXX days before I wrote my initial cfpb complaint. All bills are PREPAID. All obligations is owed to the united states.The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. They keep trying to get me to call to settle the debt when I have already sent them multiple letters. this is also a breach of privacy rights according to 15 usc 1692 c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a HARASSMENT! also threatening to send my private information to the credit bureaus is identity theft or selling the debt. i have given them more than enough chances. At this point its ridiculous. They want the fight so that's what will have to happen. the bureaus have 4 days not fifteen in a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several previous request in 3 credit bureaus, the particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Kindly remove the following inaccurate items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove it thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, fl XXXX