23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2017, I was reviewing my credit report like I do every year and saw a collection account from Collection Consultants for {$210.00}. I immediately reached out to the company by mail asking for more information about this debt including validation. Collection Consultants ignored my request and responded by adding XXXX MORE collections on my credit file and added the remarks " Unable to locate consumer. '' This is a fabrication of the truth since my return address was on the letter. I reached out to them a second time via certified mail in XX/XX/2017 and the company has blatantly ignored my repeated request for validation of these XXXX debts I allegedly owe. Collection Consultants have violated the Texas Finance Code by attempting to collect a debt for which they are not licensed or bonded or legally able to collect on the in the state of Texas. This inaccurate information has caused me great harm by tarnishing my credit file.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. 
My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

This phone number keeps calling me regarding my PayPal credit account asking me to call a different number. They ohrase it as if they are debt collectors, however, I am not behind on my payments. When I call, there's no response and I'm apprehensive about calling again so they don't grab my information.
Product: Credit card

To Whom It May Concern, I am writing to formally demand that you, as a credit reporting agency, immediately block all fraudulent, inaccurate, and false information from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are required to complete this action within four ( 4 ) business days of receiving this complaint. 
The fraudulent information in question includes the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These illegitimate accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit report. Enclosed with this letter, you will find a detailed list of the disputed hard inquiries and a copy of my consumer FICO credit report maintained by your agency, clearly displaying these fraudulent items. 
I do not recognize any of the aforementioned accounts, collections, or hard inquiries. These items were never opened, initiated, or authorized by me and are the direct result of identity theft and fraud. Attached is the FTC Identity Theft Criminal Complaint # [ XXXX XXXX XXXX  ], serving as incontrovertible proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are fraudulent. 
I demand that you take swift and decisive action to remove this fraudulent information from my credit report immediately. Failure to comply with this request within the specified timeframe will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau and pursue all available legal remedies to protect my rights and financial standing. 
Consider this your final notice to rectify this serious and unlawful issue without further delay. 
Sincerely, Enclosures : 1. List of Disputed Hard Inquiries 2. Copy of Consumer FICO Credit Report 3. FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by CBA of GA. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.
Product: Credit reporting or other personal consumer reports

The following company has placed 4 inquires on my credit report, I DID NOT AUTHORIZE THESE INQUIRES. 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 15 U.S.C 1692C 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
Product: Student loan

This is a complaint about an active loan with Navient. This loan was taken out in XXXX in the amount of {$25000.00} to attend XXXX, a now closed school that has defrauded students. Since their closure the students of XXXX XXXX, the department of education has created two programs to assist students affected, and any direct loans qualify for forgiveness. This is a private loan, so it has not been forgiven, even though the educational promise was proven fraud and was not fulfilled. The loan was serviced by Navient which then openly coerced the borrower into a repayment plan that never paid down any of the principal balance. The payments were resulting in an increase of the balance, bumping the amount owed to {$30000.00} by XXXX. This loan has been in 16 years of repayment with Navient and the amount currently owed is {$15000.00}. This should have been a standard student loan with fair repayment options. This loan should qualify for a forgiveness program. The deceitful practices of lending and unfair repayment options have destroyed the borrowers credit, and have kept them relating a student loan for decades that they never received the educational benefit of. The borrower has effectively paid tens of thousands of dollars over 16 years for nothing but the profit and benefit of Navient.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/2024. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA checking account ending in XXXX Deposited a check personal check from my XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX on XX/XX/23 for {$3000.00} funds were initially posted immediately On XX/XX/23 I attempted to use my debit card & it was declined. I called usaa & was told a hold was placed on my deposit and funds would now not be available until XX/XX/23. I asked why & was told due to a returned deposit from that -which I didnt have On XX/XX/23 the {$3000.00} check cleared my XXXX account XXXX I called usaa on XX/XX/23 informed the check was paid on XXXX and asked if the funds could be released now or next day. The rep was helpful -said she contacted the back office at usaa and was told nothing could be done until XX/XX/23. I asked doesnt usaa get notice that they check was successfully paid she said they dont So now Im stranded out of state with no access to my {$3000.00} deposit -account is now overdrawn -transactions are being rejected -I cant pay my bills Why cant usaa confirm with XXXX the check was paid rather than wait until XX/XX/23 Rep told me theres a reg CC hold on the check Issue XXXXFraudulent XXXX transactions from my USAA account ending in XXXX XXXX XXXX XXXX were made from my account on XX/XX/23 My cell phone was lost or stolen while at the gym I did not make these transfers -no knowledge of this person who recieved my funds XXXX XXXX I filed a police report with XXXX XXXX police department Report # XXXX XXXX XXXX XXXX I uploaded to USAA customers have no way of speaking to anyone In the fraud /security department to get status updates & no one has contacted me
Product: Debt collection

Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX APTE XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Hello, Around late XX/XX/2021 I requested a balance transfer from XXXX Credit Card ( Provided by XXXX XXXX ) to US Bank. Shortly after ( first week of XXXX ) I reached out to both XXXX ( Which said I need to contact US Bank ) and US Bank ( Which was told by their representative that the transaction will be canceled ). Fast forward to XX/XX/2021, I received a bill from US Bank regarding that balance ( original {$1100.00} plus {$33.00} fee ). I reached out multiple times to them and was told the money was sent to XXXX which is not even my bank and they refuse to fix the problem they created.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

I BOUGHT TWO XXXX XXXX CARDS FOR XXXX I NEVER USED XXXX SERVICE THEY HAVE NO PHONE BILL OR ANYTHING THEY CAN PROVE TO SHOW I EVER HAD SERVICE WITH THEM. SO I DONT OWE THEM ANYTHING, I PAID FOR THE XXXX CARD AND IT WAS NEVER EVEN ACTIVATED AND WHEN I TRIED TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( Experian and XXXX ) are showing my debt severely incorrect. Experian is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. XXXX is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.
Product: Credit reporting or other personal consumer reports

Submitted a dispute in XX/XX/year> for a collections account, they found it accurate which it should not be since I have not been properly notified of it, but it was removed. It just reappeared on my credit report and it is medical debt so should no longer be applicable. I tried to dispute it online but keep getting told to " try again later ''. I can not keep checking to see if their system is working properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a new complaint for the closed complaint regarding the XXXX XXXX, account # XXXX for the amount of {$1800.00}. have disputed this with TransUnion for several wrong reporting issues! I demand this be deleted from my account due to the incorrect handling of my report. I first disputed the account around the date XX/XX/XXXX due to the fact I was not aware of the debt. I NEVER received validation of this debt! I still have never received Validation of this debt! I called XXXX on XX/XX/XXXX to explain to them I had NO KNOWLEDGE of the debt! asked for validation and NEVER gave them a promise to pay I stated I needed VALIDATION of the debt to receive help I gave them my email which is NOT " XXXX ''! This should have been deleted from my report for NO VALIDATION!!! How can I take responsibility of debt I have NO validation for? 
I moved to a different state and I filed a change of address form with the US Postal services XXXX never contacted me by mail or phone! 
Because you are not the original creditor for this debt, but are instead a debt collector, your actions are governed by the Fair Debt Collection Practices Act ( FDCPA ). 
The phone call I made, which I consider to be your initial communication with me, includes information required by section 809 ( a ) ( 1 ) and 809 ( a ) ( 2 ) but omits a " debt validation notice '' as required in section 809 ( a ) ( 3 ), 809 ( a ) ( 4 ), and 809 ( a ) ( 5 ).

Thus, it is my position that you are in violation of section 809 ( a ) of the FDCPA. 
You already stated in response to my complaint that the phone call was your first communication with me, you also did NOT state in the response that I received a validation notice within 5 days of your initial communication with me, also in response to my previous complaint you did not state that a USPS certified mail receipt or similar documentation of delivery confirmation was made other than you sent an email to the wrong email address given to you! 
Because of your failure to include a debt validation notice as required by the FDCPA within 5 days of your initial communication, I was unaware of my rights to submit a debt validation request within 30 days of the receipt. I realize that your non-compliance may not be intentional but, XXXX in response to my previous complaint was NOT able to provide a preponderance of evidence of validation, you may be protected from civil liability under section 813 of the FDCPA. I still to this day have NEVER gotten validation of this debt!
Product: Debt collection

I am filing a complaint against a list of debt collection agencies that are reporting negative information on my personal credit reports. The following companies listed do not have a debt collection license in the state of South Carolina, according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the South Carolina State Attorney Generals office already, since the credit bureaus are being sued and can not be trusted. I demand a legitimate answer from these companies as to : -why they illegally obtained my personal information without my consent? 
-why said debt collection agency isnt listed on the nmlsconsumeraccess.org website as having a debt collection license to collect debt in my state? 
-why havent I been provided with a thorough explanation of the investigation process that validated this debt is mine? 
-why said debt collection agency feels comfortable violating federal laws, just to try to scam consumers, like myself, out of their hard earned money? 
-if the information is validated, why is the spelling of my name different than whats on my state drivers license? 
-what information is being verified and what system are these debt collectors comparing information with, because the information on each of my individual credit reports are different
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been fraudulently reported on my credit file. These accounts do not belong to me, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were reported in error and should be removed immediately. Please investigate and provide me with a written confirmation once the inaccuracies have been corrected. 

Thank you for your time and attention to this matter. Please contact me if additional information is required.
Product: Student loan

Between the months of XX/XX/XXXX and XX/XX/XXXX, I have tried to contact Mohela about my student loan repayments and have never been able to get through to an individual after spending hours on the line each time. 

Mohela has provided false information to me about my account and in their correspondence with me, and has taken direct payments out of my account at erratic times in different amounts to amount stated in the letters they have sent me as correspondence or in the amounts they have listed under my account on their site. And now new letters are saying I have a much higher monthly payment than what I had worked out through the federal student aid save plan.
Product: Debt collection

On XX/XX/XXXX I disputed this debt with the company after seeing an amount of {$830.00} on my credit marked as opened on XX/XX/XXXX. I have NOT done business with this company ever or in the past 2 years. I asked them kindly to provide documentation on this debt. I didnt receive information that I requested. It has been complete radio silence. I disputed them again on XX/XX/XXXX and again, received no line of communication. This is NOT my debt and they have not provided one document!