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

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Product: Debt collection

GC Services Limited Partnership took out a debt collection for an auto loan. They sent me a letter dated XX/XX/2020 stating that I owed a balance to their agency, which is correct. However, since I received the letter notifying me of the amount due, they continually and repeatedly called both my personal cell phone number and my mothers cell phone. When calling my mother, they stated they were a Law Firm calling about my collection. She hung up and blocked their number. They then continued with persistent, annoying, and harassing phone calls that would begin as early as XXXX XXXX ( EST ) and continued throughout the day. I normally do not answer unknown/spam calls. When I would use call filtering to block their number, they would use another phone number from the same area code to call immediately after I declined the first call. I got calls from several local area codes throughout the day, as frequently as 3 or more times a day. ( Examples of numbers they attempted to use to contact me : XXXX, XXXX, XXXX, XXXX ) When I would answer, they never stated the company they were calling from or even stated their intentions for the call. I had already set up an online account to pay GC Services on a set schedule and they still continued to harass me multiple times daily about my outstanding debt. Their corporate number listed on the letter I received also never called me. Only random phone numbers from area codes nearby. I called on XX/XX/2020 to inform them that I currently lived in a different time zone and that I wished to not receive calls at XXXX ( PST ), which, in one week, they managed to call me at XXXX, XXXX, XXXX on multiple different days. I have phone records and time stamps to prove that. The representative stated she would make a note of it on my account. Since then, no further calls have been placed as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states NONE of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 
Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,
Product: Debt collection

Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.
Product: Debt collection

CFPB XX/XX/XXXX XXXX XXXX has turned a bill into collections even though I have paid it. 
I have sent XXXX XXXX a letter and talked with them repeatedly, however I can not get past their outsource people to speak with someone who can tell me more. 

XXXX XXXX refuses to send me a statement in the mail ( see attached letter from XX/XX/XXXX ). They insist on sending a statement to an old email address of which I was unaware. When I found out, I called XXXX XXXX and as incredible and stupid as it sounds, XXXX XXXX customer service wouldn't give me information on the account because I don't know the credit card number! I haven't had a XXXX XXXX credit card since XXXX ( see last statement ever received from XXXX XXXX when I did have their card back in XXXX ). They went straight from sending the bill to an email address that sends an automatic reply : Email no longer read from this account, to sending the bill to collections. XXXX XXXX is getting the automated reply but REFUSES TO SEND A STATEMENT TO MY NEW EMAIL AND REFUSES TO MAIL ONE THROUGH USPS ( see letter of XX/XX/XXXX XXXX. 

Now XXXX XXXX has sent what I percieve is an important letter to that old email address. I can not access XXXX XXXX website! I do not have an account, I do not have a credit card, I do not know what they are trying to tell me ( see attached letter from XX/XX/XXXX XXXX, I can not get customer service to tell me! I can not create an account because I do not have a credit card number! 

I am unclear how my purhcase went on a XXXX XXXX card ( since I don't have one ) but I did shop at XXXX XXXX in XXXX XXXX around the time they claim the charge is from. I know I mentioned to the clerk I used to have a card, which she confirmed. But I said I did not want a new card!!!!! So, I was not looking for a XXXX XXXX bill. In my letter to XXXX XXXX I ask them to mail me a statement - they refuse to do so! 

I made a small payment to keep XXXX XXXX off my back till I could get this sorted out. I sent {$20.00} on XX/XX/XXXX. I received a call from them saying I had better pay - I screamed into the phone demending a statement!!!! At least five times I've assked, I've yelled, I've been close to tears, to be sent a statement. NEVER HAS XXXX XXXX SENT ME A STATEMENT. Defeated, I sent {$100.00} on XX/XX/XXXX. I sent another {$50.00} on XX/XX/XXXX. I don't even know if these payments are being applied to the bill they claim I owe. 

I have absolutely no idea how much I supposedly owe! The only amount I was ever told was {$160.00}. I have paid {$170.00}! I do not know what to do to get XXXX XXXX to declare this paid in full and to REMOVE IT FROM DEBT COLLECTIONS! I keep going in circles with XXXX XXXX and I can not get anyone to listen! 

They've ruined my credit over a bill they won't even send me a copy of!
Product: Mortgage

I purchased a home in XXXX, I had an 80/20 loan but only had one mortgage servicer and made only one payment to them - not two separate payments. In XXXX I had my loan modified, the modification states that I have a new loan with one payment and everything would be brought current, and I had a payment schedule. 

I have kept to that schedule and haven't missed payments, however, I recently found out that they didn't not include the 2nd mortgage in the modification - even though they told me they did, and my modification agreement states the loan will be current. 

I have never received a bill, or statement or even knew I had a 2nd mortgage since XXXX. 

But I recently received a notice of default from Trinity Financial from the XXXX agreement. They have never contacted me or asked for payment. My home has recently came up in value and so they are looking to foreclose, but I'm on time with my first mortgage and had no idea there was still a second. 

The company is Trinity Financial Services , LLC. 

The loan modification agreements states that $ XXXX would be added onto my loan, and that amount - as told to me - was to pay off the 2nd and my late payments in total. 

But when they modified my home loan, they only modificed my first home loan - which was never explained to me. And now the lender with the 2nd lien is coming to foreclose.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus is in violation of the XXXX XXXX XXXX XXXXXXXX. I was not contacted in writing XXXX XXXX prior. Please remove and block fraud accounts from my account.
Product: Debt collection

Victim of identity theft company harassing me send letters moved from Louisiana 9 years ago FRAUD ACCOUNT
Product: Mortgage

Currently in divorce proceeding.on recent credit report I found a mortgage ( Loancare in XXXX  XXXX ) I am not sure of this and do not believe I had a mortgage with this company.also spoke with XXXX XXXX as I showed an account was open with myself as a secondary account for {$13000.00} .the credit card is not in my name but I believe my XXXX # was used. XXXX XXXX states cards has first name that could be male or female but will not tell me the name except it is my last name. XXXX XXXX states they closed account today. There is an open XXXX XXXX card for XXXX also not mine. XXXX XXXX will not help me as I don't have full account number. The two address for me on the report are wrong.one is my husband 's XXXX XXXX ( I have nothing to do with that buisness ) and the other address is my adult son 's mailing address which is located in a small business for that purpose.my home address is not on the credit report from the 3 credit bureaus on XXXX. I did report to XXXX and should get a report in the mail within 30 days .also my report stated I also have another incorrect mortgage.another mortgage is correct, my current house.i am soon to be XXXX XXXX XXXXthank you
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} 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
Product: Credit reporting

My credit report shows I have XXXX credit cards. BK filed XXXX/XXXX/2014. These older accounts should not be on my credit
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent account have been opened under my name without my knowledge or consent. These account is charge-off which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. Dispute and Remove these fraudulent account XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing outdated and inaccurate information on my credit report that has not been removed despite my previous requests. The information in question pertains to [ describe the account, such as a collection, late payment, or closed account ]. 

On [ XX/XX/year> ], I contacted [ credit bureau or creditor ] to dispute this information, as it is no longer valid and should have been removed under the Fair Credit Reporting Act ( FCRA ). I provided supporting documentation, including [ mention any documents sent, such as payment records, letters, or dispute forms ]. However, despite my efforts, the inaccurate information remains on my report. 
Since this information is incorrect and negatively affecting my credit, I request that it be removed immediately. I ask that you review my case again and provide a written explanation of your findings. If the information can not be verified, it must be deleted under FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the resolution process. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX XXXX  that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.
Product: Credit reporting or other personal consumer reports

I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

With that being said these accounts do not line up properly. 
REPORTING ON XXXX XXXX. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON EQUIFAX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. 

I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
Product: Credit reporting or other personal consumer reports

I'm reaching out to raise my concerns about several issues I've faced with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

I recently acquired my credit report and discovered that I have fallen prey to identity theft. As I am currently in the midst of purchasing a home for my family, this distressing revelation has had an adverse effect on me. I kindly ask for the swift removal of these deceptive accounts from my credit report. Please see attached
Product: Credit reporting or other personal consumer reports

Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report
Product: Credit reporting or other personal consumer reports

Equifax, this is my final notice informing you that your company is reporting an account that is not mine. I contacted the collection agency and they stated that they could not find an account matching my name, dob, or ssn. How are you reporting an unverified account? I notified you months ago that the account XXXX XXXX XXXX XXXX  is not accurate. XXXX and XXXX do not report this account, so I am confused why you continue to furnish this information. Please see the attached XXXX complaint response from the company admitting that I have no account associated with their company and delete this account immediately. Being that this is not my first time trying to remedy this situation, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts appear on my credit report, and I cant understand how or why this happened. I routinely check my credit report, and everything has always been accurate until now. Even after refreshing my browser, hoping it was just a glitch, the errors remained. Im now deeply concerned and asking that the documents Ive submitted be reviewed thoroughly to ensure this issue is resolved for good.