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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX
Product: Debt collection

I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from American Coradius International claiming I owe {$420.00} to XXXX XXXX XXXX XXXX This is not my debt I've never made any such charges and I always pay XXXX instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with XXXX and I never made a charge in that amount. This is a scam and/or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Mortgage

The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.
Product: Debt collection

Contacted debt collector that placed a collection for a XXXX XXXX in my account which is not mine. My name is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX XXXX Account XXXX DPT EDXXXX Account XXXX XXXX  Account XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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: Debt collection

XXXX XXXX XXXX has placed false reports on my XXXX   credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX  XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX   and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to  determine where these charges came from.
Product: Student loan

I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$550.00} with XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

They did not properly investigate my dispute and failed to remove errors on my credit report which have negatively effected my fair access to employment and housing. 

I have disputed and requested removal of the following account due to their error. 

XXXX. XXXX XXXX XXXX XXXX - XXXX LATE PAYMENTS this account has not been late XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I am writing to formally request the validation of the debt associated with my account. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which requires debt collectors to provide verification of the debt they are attempting to collect. I have recently received communication from your organization regarding the above-mentioned debt. However, I am not currently in possession of sufficient information to fully understand the details of this debt, including its origin, the amount owed, and the relevant account history.
Product: Checking or savings account

On XXXX XXXX I noticed an unauthorized ATM withdrawal of {$400.00} from my checking account with Current XXXX Bank. I called Current immediately but was told I have to wait until the {$400.00} is posted/withdrawn. On XX/XX/2022, the money was withdrawn. I filed a dispute the same day. The ATM withdrawal happened in XXXX, NY, I was in XXXX, NY at the time. I live and work in the XXXX. I sent receipts from the post office and the supermarket showing my location close to the time the unauthorized withdrawal happened. My location on Current app was on and it showed my location at the time. I still have possession of my debit card, so I have no idea how the person was able to withdraw the money. I have no idea where or the name of the merchant the ATM machine is located in XXXX, NY. Current did its investigation and said there was not any fraudulent activity so I will not be credited the {$400.00}. Current will not give me any information that was used to make their decision. Also, Current will not give me the information of the merchant where the unauthorized withdrawal was made. Current is not a bank. It is an online financial technology company. Their services are provided by XXXX XXXX XXXX. Current stated they will not appeal their decision if I do not provide more documentations or receipts to prove that it was fraudulent. All of my ATM activities were all from the same ATM machine in XXXX on XXXX XXXX in the XXXX. Even the stores that I go to and get cash back are in the XXXX. I have direct deposit from my job that shows I work in the XXXX. I gave them all that I had but Current refused to give me the evidence they have. 

I have enclosed the receipts I sent Current to show my location.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}
Product: Debt collection

Knight Adjustment Bureau & XXXX XXXX are both reporting the same debt on my credit file. This is a VIOLATION of the FCRA. two companies CAN NOT report the same debt on my credit file. this is DOUBLE REPORTING and they need to delete this off my credit. The debt is paid I no longer owe it.
Product: Credit reporting or other personal consumer reports

This debt collector, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Money transfer, virtual currency, or money service

My cash app was closed for the reason I violated the terms of their agreement with my work deposits being frozen and taken from cash app
Product: Checking or savings account

Hi I banked with Fifth third bank since I was XXXX yrs old and they racked up fees on me Wich was supposed to be waved and credited back because the funds was unavailable and orders was canceled I shouldnt have any fees because on both ends orders was cancled they racked up over XXXX in fees on my account and then terminated my account and now sending me threatening emails and letters to pay half or other amounts Wich I dont feel is right and then I tried to go to another bank to make account and they wouldnt let me for some reason so I think they did something
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my Experian consumer report and noticed some items reporting on my credit file that arent reporting on XXXX nor XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Credit reporting or other personal consumer reports

Transunion, Equifax, and Experian failed to do proper investigations on XXXX  XXXX Crefit Card, XXXX, and Equifax had an extra XXXX XXXX. I had sent all three police reports years ago for identity theft and they refused to remove the fraudulent debts until a few weeks ago. XXXX XXXX was still reporting on my Equifax report with me being 2 years behind and the house was sold XX/XX/XXXX. Experian allowed a collection that I disputed last year to stay on my report and they said it was my collection but it was impossible because I lived in XXXX and not at XXXX XXXX XXXX XXXX XXXX IL. The debt was XXXX. Im on XXXX XXXX XXXX XXXXXXXX  XXXX and they pay my rent and you cant live in XXXX. Ive been on XXXX since XX/XX/XXXX. After the credit bureaus did another investigation after years they found it was identity theft and removed the debts and the Mortgage. They refused to add points to my score and my credit scores are very low because of the credit bureaus negligence. Im so tired of trying to resolve my issues with the credit bureaus. If nothing is done I will be forced to have an attorney assist me. I have not been able to live a prosperous productive life because of the negligence of the credit bureaus. I havent been able to obtain credit for years.
Product: Student loan

I received an email from Nelnet on XX/XX/XXXX saying I qualify for a 90 forbearance on my loans, due to being in a natural disaster area from the Hurricane in XXXX, FL. The email stated to respond if I wanted to opt in, of which I did respond the same day I received that email. It is currently XX/XX/XXXX  and I never received a response for forbearance and my account still shows as owing my first payment on XX/XX/. This puts me in a terrible spot as I am going through financial issues and was relying on this forbearance and did not realize that their system would be this messed up. I have been attempting to call them but I have been stuck on hold for hours with no one picking up. I submitted an email to Nelnet as well to no prevail. 

I am afraid their incompetence is going to force me to pay on XX/XX/XXXX with money I don't currently have. 

I also understand their email stated they'll review it and approve it if " I'm eligible '', however I never received a follow up response and my account does not show any status updates from this, which leads me to believe that it was never looked at.
Product: Mortgage

On XXXX XX/XX/2022 I received a letter that was actually mailed on XX/XX/XXXX from home point Mortage. Like I stated, I did not receive the letter till XXXX XXXX. ( Regulation # XXXX ) It made its rounds to at least two or more different houses in our city, before finally coming to me. It was a notice of transfer of servicer. They also changed the loan number. I paid my payment on XX/XX/XXXX and then again on XX/XX/XXXX. Home point mortgage company is reporting my mortgage as 30 day late for the month of XXXX. 
I have never been late with my mortgage payments. I did reach out to XXXX on XX/XX/XXXX, and on XX/XX/XXXX and XX/XX/XXXX, to see if they would be willing to resolve this matter on their end but it was to be no avail. each time I was told to just go through : : XXXX I sent them through the customer support.com the documentation of the photo of the letter that looks like Ive been run over by a truck when it sent to the wrong addresses. The multiple times that I did talk to home point customer service I was told I had to do it through their customer support email and upload my document or any thing else which I did all I kept getting back was automatic responses.. 
Due to this action by Homepoint, Ive not been able to refinance my mortgage and it did decrease my credit score.. 
I am asking for an immediate removal of this from my credit report. once again this is harming me from being able to do a refinance and it has decreased my credit score. Through no fault of myself. 
This is an FHA loan and Ive been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}
Product: Student loan

I am requesting proof that I am indeed the party that the US DEPT OF ED/XXXX are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Product: Credit card

pulled credit report notice fraudulent activity ask that you please remove the accounts from credit for they are hurting my ability to obtain credit.Thanks
Product: Debt collection

I was a tenant at XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. Throughout my tenancy, I paid all rent and fees on time. However, XXXX years after moving out, I began receiving unexpected debt collection notices from Columbia Debt Recovery/Genesis regarding alleged damage and cleaning fees. Key Issues : Delayed Notification : I received no notification of these charges after moving out on XX/XX/XXXX, until the debt collectors contacted me in XXXX. Immediate Collections XXXX XXXX XXXXXXXX sent the alleged debt directly to collections without prior notice or opportunity for dispute. Credit Impact : This action has negatively affected both my credit score and that of my guarantor. Inconsistent Charges : My co-tenants, who lived in the same unit and moved out at the same time, did not receive similar charges, suggesting potential discriminatory practices. Lack of Response : On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX, XXXX, and Genesis Management Leadership regarding these charges ( Genesis case number XXXX, totaling {$320.00} for " cleaning '' and " touch up '' fees ). I have received no response to this dispute. Multiple Attempts at Resolution : I have made several phone calls to XXXX XXXX, XXXX, and Genesis, with the most recent conversation on XX/XX/XXXX, with XXXX from Genesis and his manager XXXX, but the issue remains unresolved. On XX/XX/XXXX, I paid the full payment of {$320.00} to COLUMBIA DEBT RECOVERY LLC DBA GENESIS.
Product: Debt collection

Medical bill was paid in total by the insurance and this was billed separate and never charged to the insurance
Product: Debt collection

I have asked/requested repeatedly substantiation of this debt with originally signed documents as required by law. I have also spoken with this company over the phone repeatedly and have even recorded all of the conversations. At which time they agreed to remove this unsubstantiated debt from my credit reports. The only letter that I continue to receive states the following, " The legal time limit for suing you to collect this debt has expired ''. 
" This communication is from a debt collector but is not an attempt to collect a debt ''. 

If this is indeed the case, then why would they have access to my credit report? I have spoken with a lawyer who assures me that this is illegal. 

They have threatened me, members of my family. I want this to end and I want this debt removed from my credit reports. This has been going on for almost 3 years. 

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : ( i ) the use or threat of violence ; ( ii ) the use of obscene or profane language ; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus and asked them to remove the incorrect addresses and they refused.