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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the following collection agencies for reporting false and fraudulent debts on my credit report to Equifax and XXXX. These claims are erroneous, and I have no legal obligation to the debts being reported. The following entities are involved : XXXX. XXXX XXXX XXXX XXXX DBA XXXX Original Creditor : XXXX XXXX Amount Claimed : {$12000.00} Date Placed for Collections : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX Amount Claimed : {$1400.00} Date Reported : XX/XX/XXXX XXXX. XXXX XXXX, XXXX. 
Original Creditor : XXXX Amount Claimed : {$120.00} Date Reported : XX/XX/XXXX I have evidence indicating that these accounts do not belong to me. Additionally, I am a victim of a data breach that occurred on XX/XX/XXXX, involving my personal information, including my Social Security number, as disclosed by XXXX XXXX XXXX XXXX I believe these accounts may be the result of identity theft or clerical errors. 

Violations and Harassment Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : These agencies have failed to verify the accuracy of the debts before reporting them. 
Their continued attempts to collect on fraudulent claims constitute harassment. 

Requested Actions 1. Immediate Removal of All Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX must remove the reported debts from all credit bureaus ( Equifax and XXXX ). 
2. Cease and Desist : All collection attempts and communications regarding these accounts must stop immediately.

3. Validation of Debt : Provide detailed validation of these debts, including signed agreements proving my obligation, within 30 days. 
4. Notification to Credit Bureaus : Notify Equifax and XXXX to delete all references to these accounts from my credit file. 

Escalation and Legal Action Failure to comply with my requests will result in : Filing complaints with the Federal Trade Commission and the California Attorney Generals Office. 
Pursuing legal action for damages caused by the violations of my rights under federal and state laws. 

Supporting Documentation Attached to this complaint, I have provided : A copy of the data breach notification from XXXX XXXX XXXX XXXX 
Details of the false claims from the respective collection agencies. 

I expect your agency to take swift action to investigate this matter and hold these entities accountable. Please confirm receipt of this complaint and provide me with an update on the actions taken.
Product: Credit reporting or other personal consumer reports

I usually make my payments on time, and these late fees dont reflect my usual pattern.
Product: Debt collection

PLEASE BE ADVISED THIS IS LIKE MY FORTH REQUEST.. IVE SENT IN MULTIPLE FTC REPORTS TO SOUTHWEST RECOVERY, EXPLAINING THAT IHAVE BEEN A VICTIM OF IDENTITY THEFT. FOR SOME REASON ALL MY INFORMAION IS BEENING IGNORED. PER FCRA THIS INFORMATION NEEDS TO BE BLOCKED FROM MY REPORT, IF SOMETHING DOESNT HAPPEN SOON I WILL SEEK AN ATTORNEY AND SEND A COMPLAINT THE ATTORNEY GENERALS OFFICE.

PLEASE SEE ATTACHED FTC REPORT 15 USC1681C-2 ( A ) THE LAW SAYS IN CASE OF IDENITIY THEFTA CONSUMER ( MYSELF ) MUST PROVIDE 1. FTC REPORT 2. IDENTIFICATION 3.CONFIRMATION FROM CONSUMER ( ME ) THAT SAID ACCOUNT IS FRAUDLENT AND I DONT ACCEPT RESPONSIBILITY,,
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary XXXX in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report from all 3 bureaus on XX/XX/2018 and the company XXXX XXXX XXXX XXXX XXXX reported that I owe them {$400.00}. I did not recognize the company XXXX XXXX XXXX and knew I didn't owe them any money, so I sent them a request to validate this debt to me on XX/XX/2018 via USPS certified mail # XXXX XXXX XXXX XXXX XXXX. I requested they send me a signed contract, a description of what the money was for, how did they calculate that amount, and I also asked them to show me that they were licensed to collect in my state. They responded on XX/XX/2018, asking me to supply the name of my attorney who may act on my behalf. They followed up a day or two later with a letter making me aware of their credit reporting policy. This letter was undated. On XX/XX/2018, they sent me a letter telling me that they reviewed the information provided by the previous creditor and found that the information was accurate. They did not send me any proof of the information they reviewed by the previous creditor, only that it was correct. They attached a letter sent to me by XXXX XXXX XXXX XXXX XXXX telling me that my account was sold to them, but still no proof of the debt. On XX/XX/2018, I sent another letter to them letting them know that they did not supply the necessary information to validate my debt. I gave them 15 days to respond, they waited until XX/XX/2018, they sent me a duplicate of their original letter in response. They are currently still reporting to all 3 credit bureaus. I have contacted all 3 bureaus letting them know they are reporting unvalidated incorrect information and they refuse to remove the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND NOTICE to comply with my legal request in which Portfolio Recovery refuse to submit the documents to me I requested. Portfolio recovery states the application was electronically submitted please show a photo of it and a IP address to verify that its accurate { thats false }. I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a second notice to your office .The CFPB will have authenticated sworn testimony from my end which I will use to present in court as needed as evidence of my trying to rectify the subterfuge that you are reporting .I have not received confirmation nor certified testimony that your office complied with the FCRA and all it's mandated rules when it comes to reporting accurately under the law.Therefore you are to presentto me with certification in testimony that the alleged account presented in Exhibit C are in fact in complaint and not subterfuge?
Product: Checking or savings account

I was approved and funded for a PPP in XX/XX/2021. In XXXX I was told my account with Navy Federal was compromised and couldnt access my funds. {$17000.00} was left from the loan in my savings account. I was told by the security department that the funds would be sent back to the lender XXXX because the funds where deposited into my personal account and it shouldve been a business account. I havent been able to reach the lender but I applied through XXXX and theyve reached out to the bank several times requesting the funds and theres still been no resolve.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XXXX regarding inaccurate inquiries on my credit report. The customer service representative would not further assist me on inaccurate inquiries. 

Below are the inquiries I need disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have XXXX XXXX accounts that were XXXX small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a XXXX to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.
Product: Student loan

Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.
Product: Debt collection

I was contacted by Coast Professional , Inc. company regarding my student loan payments being in collections in XXXX of XXXX. At that time, I tried unsuccessfully to fight their allegations. I had received a forbearance on my student loan accounts until XXXX. In XX/XX/XXXX, I received a notification from XXXX and XXXX ( XXXX XXXX ) informing me that my payments were coming due because of the forbearance had ended or was close to ending. 

I shared my concern regarding this situation with XXXX  because I have been plagued with a wage garnishment on my job. This was implemented through a collection agency named Coast Professionals , Inc. who claims that XXXX and XXXX XXXX placed my account in default with them. I have had my check garnished since XX/XX/XXXX. When I initially had a conversation with this company I assured them that my account was in forbearance and I could not be in default. To my dismay, Coast Professional , Inc. aggressively pursued activating the garnishment of my wages. Recently, I have learned that XXXX never placed my account in collections. In addition, the XXXX company does not issue wage garnishments as a practice to collect student loan debts. The student loan representative from XXXX made note of this in my account. XXXX also assured me that this was a scam. However, the representative that I spoke to assured me that I would receive a letter from XXXX explaining the status of my account to my employer which would eliminate the continuation of the garnishment. I have not received the letter as of today. 

The ultimate conclusion from the information that I have gathered is that Coast Professional , Inc. is a fraudulent/scam company falsely representing itself as an extension of the U.S. Department of Education, XXXX and XXXX XXXX. Consequently, I will not be able to pay both agencies if this criminal act is allowed to continue and persist to drain my finances. I also would like clarity about where the monies will be credited one this is resolved. If I will get credit for the monies collected during this time period. In the meantime, I am a victim suffering a horrendous loss of income, dignity, undo stress, and the possibility of losing my position at work. 

I urge CFPB to please, investigate this company in conjunction with my account and the tremendous threat it may present to other clients as well.
Product: Mortgage

I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent. 
Thank you XXXX XXXX email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally disputing the hard inquiries reflected on my credit report, which were added without my consent. Pursuant to section 604 THE FAIR CREDIT REPORTING atc ( 15 U.S.C 1681b ), there are specific permissible purposes required to report a hard inquiry on my credit report. I did not authorize theses hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE HARD INQUIRIES XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I entered the PNC branch in XXXX XXXX XXXX XXXX. I made a {$1000.00} payment to my HELOC. I paid the payment due and the remainder was to be applied to the principal. Instead they applied the full amp to the principal. I noticed.that the error was made and contacted the bank. That said no problem it could take 5-7 business days to correct. I looked today and they repeated the same issue. In addition they debuted my checking for the XXXX payment. Well, that brought my account below the minimum to avoid service fees.I was assured that everything would be corrected. In addition they have also charged the wrong interest rate. I te River a letter saying they would credit my account within 90 days I believe. This bank is unethical in its practices. The Funds Availability Act is also interesting at this bank. I made a deposit last month online and was going to be charged to use the funds before a certain date even though my check cleared. I thought at least {$220.00} of every deposit was to be made available and how can they charge me to use my money when my XXXX XXXX has already cleared my check. I want all of my monies due to me immediately and I want in penalties and damages due to me paid to me. This bank is operating as a predatory institution and I believe my rights as a consumer have been violated.
Product: Credit reporting or other personal consumer reports

Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Dear Sir or Ma'am, I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth Is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

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

I asked experian to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Experian also didn't produce any documentation proving that I indeed owed the debt. The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act. 
In response to my second letter, they stated that they would not re-investigate the collections account but they did not send me any form of validation or verification proving why I owed such debt.
Product: Debt collection

I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I made a fraud claim with Zelle for $ XXXX it was denied. 

XX/XX/XXXX & XXXX a large amount of money was sent to multiple unknown people. I called zelled and my bank immediately after I noticed. As I explain to the representative on the phone at the time I was running a business multiple people I thought I could trust had access to my phone so I wasnt sure how the money managed to get sent. I had never sent that account a Zelle prior so I didnt understand why they wouldnt investigate. At the time that was a huge inconvenience and caused me to have to put my business on pause.
Product: Debt collection

When I checked my credit report I saw a collection account from a company named Astra for {$550.00}. I had filed a dispute which came back that it was investigated and was my debt. No information as to who the creditor is was given. I believe this company is a scam, after researching it.
Product: Credit reporting or other personal consumer reports

I have been trying to remove accounts that were caused by identity theft for over a year now. I have filed a police report with the XXXX XXXX XXXX and this is my XXXX attempt to correct this injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon obtaining a home loan we found that there is an account open in our name that does not belong to us. we contacted XXXX XXXX and because the account is not in our name they will not help us in anyway. XXXX XXXX has reported this account to Experian and it is showing up on the credit report that we have this open account that is not ours. 
this is holding up our home loan. we need to show this account closed or removed from our credit report immediately or we can not close. 
XXXX XXXX account number listed on Experian credit report is XXXX. This account is in another persons name and needs to come off our credit report. XXXX XXXX is of no help at all. 

**account number XXXX opened XX/XX/1991 ( never been on previous credit reports ) with 0 balance. Loan opened with XXXX XXXX and reported to Experian. 
please see on attached page of credit report. **
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with XXXX XXXX ( XXXX ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXXshowed the fraudulent inquiry from XXXX reported to TransUnion credit bureau XX/XX/XXXX. This is a violation of the FCRA.
Product: Debt collection

I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it