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

This complaint is against XXXX XXXX and Transunion. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report XXXX XXXX XXXX XXXX XXXX. XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my Transunion credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my Transunion credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had COBRA, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my XXXX clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my Transunion and XXXX. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX, 2017 Via US Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX Re : Account numbers : XXXX and XXXX Dear Chase Bank Representative : I am writing this to you due to inconsistencies in your reporting to the credit bureau. After the accounts were closed with Chase Bank, Chase Bank entered additional activity of late payments once the accounts were closed. This practice is deceptive and increased the amount of time the entries regarding Chase will be on my credit file.
I have attached the Chase Bank credit reporting for your review. This practice violates the Fair Trade Collections Practices. Once the account is closed the credit grantor should not continually report activity to lengthen the time of debt collection.
Since you do not have the correct information to solicit this debit please remove Chase and all trade lines regarding Chase from my credit bureau credit reports. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau in response to this alleged debt. Please remove from all credit bureau files.
Thank you for your cooperation.
Sincerely, XXXX XXXX Cc : XXXX XXXX  XXXX Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 

I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, XXXX, XXXX Equifax. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX  XXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
Equifax has Deleted XXXX XXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, BBB and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights
Product: Debt collection

I recently noticed a {$500.00} Moneylion on my credit report which i never obtained, or was obtained by someone illegally under my name. I have contacted XXXX to dispute this account now onto collection, but they are unable to verify the authenticity of the loan and are referring me back to Moneylion. After weeks and hours of attempting to contact Moneylion i have had no success getting a live person to help me or any calls or emails back to address this issue. My credit has been negatively affected by this, its a default loan now through collection and worst of it Moneylion should have verified the identity of the persons who they provide loans to. This is illegal and I need them to fix this!! 
Desired Resolution : Correction to a credit report Desired Outcome I need the correction on my credit report and i need the business to contact me on how this happened and a formal apology!!
Product: Credit reporting 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.has violated my rights. 

XXXXDOFED # XXXX XXXX/DOFED # XXXX XXXX/DOFED # XXXX XXXX/DOFED. # XXXX XXXX/DOFED. # XXXX XXXXDOFED. # XXXXXXXX XXXX/DOFED # XXXX XXXX/DOFED. # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C section 602 ( a ) s- 2 I have the right to privacy 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. 
15 U.S.C 168c ( a ) ( 5 ) States no consumer report on items of information other then records of conviction of crimes which antedates the report more then 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX XXXX XXXX advised this would be removed after I have disputed this account online several times in XXXX with Transunion. The account was briefly removed, but now XXXX XXXX has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report to Transunion. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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.15 U.S.C . 1681 section 604 Section 2 :
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report XXXX XXXX XXXX XXXX
Product: Debt collection

In the last month or two I started receiving voicemails from a debt collector. I ignored them initially since the voicemail didn't say what it was about and I never received a letter from this company saying they were trying to collect a debt. 

On XX/XX/year> I called the number in the voicemail to inquire why they were calling me. They asked for my account number - however, because I've not received a letter in the mail I did not have an account number. 

The account rep was able to look me up by my name and told me they were collecting a debt. I informed the rep I've never received anything in the mail about this and would like documentation validating the debt. The rep informed me they had emailed me on XX/XX/XXXX and that the email was " received. '' However, after searching my inbox, spam inbox, and deleted messages - I found nothing from Paragon Revenue Group. I don't particularly care that their system says the documentation regarding my debt was delivered by email if I can not find it. 

I informed the rep I would like to settle this debt with a lump sum payment if I can verify the debt is mine, but am not willing to do so until I have a debt validation letter for my records and also a settlement letter. 

On XX/XX/year> the representative said she would email me verifcation of the debt and a settlement letter but it wouldn't be immediate and might take a few days. 

As on XX/XX/year> I have not received an email about this. I called back and spoke with the same representative who was not sure why the email hadn't been sent or if it had been sent. She said she could try and text the letter to me but I did not receive that. The representative kept trying to tell me if I just paid the agreed upon amount that because the line is recorded I would have that as proof and she could send me a receipt. That is nice- but I still need documentation proving the debt is real and a settlement letter documenting the agreed upon amount. 

I'd love to settle this debt if it is legitimate- I don't know why Paragon Revenue Group refuses to MAIL me the documentation I am requesting when their system of emailing people is clearly not working since the emails are going into spam or not actually delivering. Also - who checks their spam for this sort of information? Even if I did check my spam regularly, I'd assume any sort of " debt collection '' notice I received via email was spam.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally complain about the handling of my disputes by the three major credit reporting agencies : Experian, XXXX, and XXXX. I believe that these agencies have not conducted thorough and proper investigations into the disputes I have submitted, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To provide some context, I have submitted multiple disputes regarding inaccuracies on my credit report across all three agencies. Despite following the necessary procedures and providing supporting documentation, I have received responses that lack detail and fail to address the specific inaccuracies I raised. This has caused significant confusion and distress, as well as potential harm to my credit score and financial well-being. 

Here are the key points regarding my situation : Responses Received : The responses I received from Experian, XXXX, and XXXX were inadequate, lacking the necessary investigation and not providing clarification or justification for the inaccuracies. 

Impact : The unresolved inaccuracies have adversely affected my credit score and my ability to obtain credit. This situation has caused me financial strain and emotional distress. 

I respectfully request that the CFPB investigate the practices of these credit reporting agencies concerning my disputes and ensure they adhere to the legal requirements for investigating consumer disputes. I believe it is vital for consumers like myself to receive fair and accurate credit reporting.

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.
Product: Student loan

In the summer Great Lakes Loan service ended their company? And transfer every to Nelnet XXXX XXXX. 
I've been emailing Nelnet on their forms online, letting them know that I can NOT make a large amount of payments each month ( over {$300.00} ). 
They have either ignored me or denied me or both. Which I don't know why. I did a lot of forms for forbearance and/or low payments on FAFSA/Student gov XXXX. And yet Nelnet is not helping me. 
I'm a single mom with XXXX kids, and receive no child support ; I'm the only income coming in my household. I desperately need help with lowering my payments or putting them on freeze. 
Because I do not need my wages garnished in any way. Please help. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX  and XXXX  XXXX  i want midland to delete this account from my credit report asap delete delete
Product: Debt collection

For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by XXXX XXXX XXXX, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of RMG, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Wrongful information regarding my credit report never received correct information regarding credit monitoring
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have severely affected my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Checking or savings account

I have been locked out from online access and my debit card is restricted. The only way they can remove it is by texting a number in my name. I have a XXXX phone in my name. Not prepaid. Every time I call to resolve the issue the rep says the number isn't good AND CALL back with a phone in my name. The phone Is in my name. I asked how do they verify and they said public records.I then searched the number on XXXX and like expected it came back to my name address and dob.I also did the same in the XXXX listing. It has been 4 plus months that I have been denied access to my money in my account. A rep advised me to go to a branch and they could help but unfortunately there are no branches within 4 hours of me. My last resort was mailing my XXXX phone bill and screenshots of the public record showing the number is associated to me. I haven't heard anything .Citi has had my money on lock for months. There internal system is flawed with verification because the phone I have is not a voip its a cell phone with XXXX that has a monthly plan in my name.
Product: Mortgage

Our mortgage escrow account has been in a shortage since about XX/XX/XXXX and our payment keeps changing. We told XXXX we were moving to XXXX and renting our property. We were exempt from property taxes because we are both XXXX veterans. Our taxes at that time was then added back to our XXXX tax account. XXXX XXXX appraisal district said they would inform our mortgage holder of the changes.The property has been our primary residence since XX/XX/XXXX. We 've tried numerous times to get our mortgage company PennyMac to remove our escrow account because our payments are too high and we want to pay our taxes directly XXXX. PennyMac refused because they said it is in our truth and lending statement that we signed with XXXX Bank XXXX during our loan agreement that said we would have to escrow taxes/insurance. PennyMac in another conversation said by law the XXXX XXXX requires an escrow account for taxes and insurance. They also stated our mortgage balance is not 80 % loan to value to remove the escrow account in a different conversation. They tried to offer us loan modification after we asked, but turned out we would have to ruin our credit for them to help. The letter said they would put 30 days late on our report during the process and so we decided that would not work for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021