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

Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over 20 years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the XXXX XXXX XXXX XXXX, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : IS REPORTING THIS SAME ACCOUNT BANK OF XXXXEXPERIAN : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Product: Student loan

My student loan company has been Nelnet since 2006. 
According to my loan details, I have XXXX separate loans. XXXX for the amount of {$4400.00} and XXXX for {$9000.00}. Each loan appear to be charged 6 % interest rate separately. Therefore I 'm being charged 6 % on each amount instead of on the total which is {$13000.00} ( outstanding balance ). 
Therefore, I 'm being charged $ 6 % on XXXX different loans instead of XXXX ... which means I 'm being charged 12 % on a loan I took out 20 years ago for XXXX school and been paying for 10 years with Nelnet. Due this this, I still own {$4400.00} on an initial loan of {$5800.00} ( which means, that in 11 years with Nelnet, I only paid ... {$1300.00} ) and I still own {$9000.00} on an initial loan of {$11000.00} ( which means, that in 11 years with Nelnet, I only paid ... {$2700.00} )?
Product: Debt collection

Consumer Financial Protection Bureau, The following situation occurred when I was trying to refinance my house in XXXX Co., TN. 
Below, In parenthesis is an email sent to me by XXXX XXXX, Quicken Loans Client Relations about a lien issued in Illinois and placed on my property in XXXX, TN. 
( 1 ) The lien should have never been issued and place on my property because Attorney XXXX XXXX never did any work for me. 
( 2 ) I was never notified about this lien in the XXXX Co., Illinois Court nor through the XXXX County, TN Court system in order for me to contest the lien. 
( 3 ) Also, in the document, ( Lien ) issued to XXXX County, Tennessee on XX/XX/XXXX there was never any reference to Statutory Interest being addressed and applied to this lien. 
( 4 ) The payoff of the lien should have been addressed through the XXXX County, Tennessee by Quicken Loans for the amount of {$15000.00}. However, I was told by Quicken Loans the lien had to be paid off prior to me refinancing my property. I was conned into sending Quicken Loans a check for {$21000.00}, which included {$5800.00} for statutory interest and the Lien paid off on XX/XX/XXXX. 
( 5 ) My rights to contest this lien were violated because neither Attorney XXXX nor the XXXX County, TN provided me any notification about a lien on my property. Also, there should never have been any Statutory Interest because the interest was not addressed/approved or listed in the lien. 
Attached is a copy of the lien issued by Illinois to my property in XXXX County, TN! 
The overpayment of {$5800.00} for statutory interest should be returned since the court never addressed Statutory Interest Regards, XXXX XXXX XX/XX/XXXX Hello XXXX, The payoff of your lien with XXXX XXXX XXXX & XXXX XXXX. {$15000.00} was the amount of the judgment issued, however, the amount that was sent included statutory interest which had accrued through XX/XX/XXXX. Interest was accruing on the judgment at a rate of {$3.00} per day, resulting in us needing to pay the additional {$5800.00} to reconcile this lien and remove it from your property. If you would like, I would be more than happy to send you a copy of the payoff statement that we were sent indicating these costs. Please let us know if we can be of further assistance. Have a great day XXXX XXXXQuicken, Loans Client Relations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian said I am not allowed to dispute an address on my credit report because it was reported by XXXX XXXX and I need to go through them. I reported it to XXXX and they said that address doesn't appear on my account and they verified my address as XXXX XXXX XXXXXXXX XXXX Indiana XXXX. Yet XXXX XXXX XXXX XXXX Indiana XXXX still appears in my personal information on my credit report. I do not want this address or the people who reside there associated with me at all. This is/was my husband 's ( now ex-husband ) XXXX XXXX  address. I can see how it became associated with me because he was living there and had to change his address to there for his bills when we were still married. However, we are no longer married and there is no reason for that address to show up on anything of mine. She has very bad financial history with bankruptcies and bad credit, and I simply do not want anything about her appearing on my credit report.
Product: Debt collection

I received a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.
Product: Consumer Loan

I have entered into a Debt relief program and they instructed me not to make monthly payments. One Main Financial in XXXX XXXX, NE has called me at least XXXX a day at home for the last XXXX weeks and has now called me XXXX at work, I am sure those practices are not legal. I have told them last night to never call me at work again, so we will see. I have called XXXX XXXX XXXX and informed them of One Main calling me at work and they stated I needed to make a report through you and they were going to send them a letter to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX AV XXXX, AZ XXXX Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX
Product: Credit reporting or other personal consumer reports

XXXX giving transunion and XXXX XXXX  days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX and transunion will remove accounts removed non public accounts in XXXX days of receipt of this notice If XXXX and transunion does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on XXXX and transunion taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS EQUIFAX AND XXXX REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.
Product: Student loan

My servicer is FedLoan Servicing. I submitted a PSLF Employer certification on XX/XX/2021 and have not received a response from FedLoan Servicing regarding the number of qualifying payments I have made towards PSLF. I sent a status update request via email on XX/XX/2021 and was told my PSLF certification was still pending.
Product: Debt collection

Critical Resolution Mediation has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a 6 year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a sucking noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

i just noted an inquire on my credit from this company SYNCB/TJX CO DUAL CARD and i never request anything from them
Product: Mortgage

In 2010, XXXX XXXX XXXX ( then backed by XXXX XXXX  ) offered to modify my loan but only upon default. Once the loan was in default, the new owner, XXXX  ( XXXX XXXX XXXX  - XXXX  )  did not offer a viable loan modification. And XXXX  was unable to lawfully proceed with foreclosure. Shortly thereafter, XXXX XXXX dropped its protections and no longer secures the loan. As a result, XXXX sold the loan, and it has been sold again several times over the last decade. The current note holder, XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, not in its Individual Capacity but Solely as Certificate Trustee, nor its servicer, Shellpoint Mortgage Servicing are willing to offer a viable loan modification. The Trustee has begun a foreclosure process and sent a Debt Validation Notice, which Notice states that the debt currently owed exceeds {$400000.00} -- due to interest, late charges, and other charges, etc. This debt is unverified. And I'm requesting to know all the information that I'm entitled to under the laws so that I may continue  to negotiate viable loan terms and remain in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

My insurance wasn't paid on time XXXX. I didn't find out till XX/XX/XXXX. In that year we had strong storms and My XXXX  came down and I placed a patch over the XXXX  in the XXXX. So I could finish saving money up for a new XXXX. Something in XXXX I found out my insurance was cancelled. So I tried to get the insurance back on the the house. I XX/XX/XXXX I was contacted by the insurance company that they can't insure the house. Do to the XXXX XXXX  on the XXXX.So I tried to get XXXX  contractors out. I was told because of XXXX nobody come out. So I started to repair the XXXX  myself. It's been a XXXX XXXX of problems after problems. So I went to fifth third banking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Chapter XXXX XXXX Indiana XXXX XXXX  XXXX filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, Equifax, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Product: Credit reporting

I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Debt collection

XX/XX/2021 - reviewed credit report with Collection from PlusFour Inc. Attempting to collect for XXXX XXXX Solutions. 
XX/XX/2021 - Disputed this account with all XXXX bureaus and asked form them to provide documentation on where the balance derived from and proper validation XX/XX/2021 - Plus Four verified item with all XXXX bureaus and was attempting to collect interest on the medical debt which was not authorized. Pursuant to XXXX. XXXX Nevada debt collection laws prohibit collection agencies from engaging in the following actions : Collecting, or attempting to collect, any interest, charge, fee, or expense incidental to the principal debt. 
XX/XX/2021 - Disputed item again with all 3 bureaus and PlusFour. They verified the information reporting was accurate despite them attempting to collect an amount they legally can not collect. 
To date they continue to confirm and verify the information they are reporting is accurate despite multiple attempts for them to report accurately and collect the accurate amount.