23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not receive a Welcome letter/package from Specialized Loan Servicing ( including the new address to send my payments ) but I sent a payment to their general offices in good faith. However, not receiving an acknowledgment of the reception of this payment, I thought it would be prudent to postpone future payments until I received the official address to send them to, which I never received. 
After doing some research on Specialized Loan Servicing, I found out that their reputation was poor, so I reached out to them to request the Welcome Package. They only responded that they had sent the package. I then reached out to individual executive officers, but received no responses. After all this, I suspected that my payments would not be handled safely, so I stopped making payments until I could satisfy myself that they would be applied correctly. 
Specialized Loan Servicing sent me a letter assigning a Relationship Manager to my case to review/resolve my " delinquent payments. '' I took counsel with a benefactor and made two proposals to them and a regular monthly payment in good faith, all of which was rejected by Specialized Loan Servicing. 
Then, Specialized Loan Servicing increased the frequency of their phone threats to foreclose my house by the end of the year.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer

may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Student loan

I have had student loans being paid off since XXXX. Often forced into many forbearances, deferments or INcome based plans. I know I qualify for loan forgiveness as well as I am a health care provider since XXXX. I cant get anyone to tell me exactly how many forbearance periods i had or how many exact payments i have Made. I was Also forced to quickly accept loans from XXXX XXXX XXXX in XXXX. I want to know if any of these will be forgiven. I now owe about XXXX through whatever company bought navient.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX different letters to XXXX, Experian, and XXXX to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) ) that the Experian, XXXX and XXXX along with all applicable furnishers receiving this notice, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question along with a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Accounts/Numbers AXXXX 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 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  Public Record- Chapter XXXX bankruptcy discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves the company : Experian. I have an account which has been frozen by myself and for which I have lost the sign on userid and password and as a result I am unable to log in ( I wanted to change my email ). I have been given instructions by experian ( probably computer generated, see attachment ) to find the userid but when I followed the instructions giving my date of birth and social security number, it says unable to find account. I responded to the Experian email explaining the situation and I received back a message that Experian can't respond to that initial email ( probably since computer generated ) I have looked further online on the website and have been unable to find any other help and I have called for weeks during XXXX several times weekly and receive different messages but all without any option for the kind of help I need to reset my userid and password when the system doesn't even recognize me. My account is currently not reachable and if I want to unfreeze it, I am unable to do so. I sent a letter ( not email ) to an address I found for Experian explaining the situation about two weeks ago and have received no answer and I don't have that address now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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

My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with Wells Fargo auto loans opened in XX/XX/2015. It needs to be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I disputed unverified and unauthorized accounts and asked the creditor to provide proof for these accounts that arent supposed to be on my report. And Ive been ignored for months The creditor continue to report unauthorized and unverified accounts to my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can. Including an attorney referral as my rights continue to be violated.
Product: Credit reporting or other personal consumer reports

During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from Trans Union, XXXX and XXXX for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally 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 ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the BBB as a complaint against all rogue actors as well
Product: Credit reporting or other personal consumer reports

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting XXXX XXXX XXXX, Credit Collection Services and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Product: Student loan

I applied on XX/XX/year> for a student loan consolidation, and in the application I chose the XXXX plan. I was given a payment amount of {$XXXX} at that time. I should have approximately 10 years of payments remaining after the IDR payment counts are processed this year. My loan consolidation was completed on XX/XX/year>. XXXX has placed me on the standard repayment plan, with payments of {$XXXX} for 30 years. They sent me a bill for a total of {$XXXX XXXX} per loan, due on XX/XX/year>. When attempting to set up a payment online, I was not able to allocate {$XXXX to each loan, and had to increase my payment to {$XXXX} to get the loan with a lower balance to have the full {$XXXX payment shown on my statement. Then they sent me another bill for {$XXXX  due on XX/XX/year>. 

I sent a message on XX/XX/year> stating that I had applied for XXXX with my consolidation, and that the studentaid.gove website shows my payments should be {$XXXX and my application status is " in review ''. I also requested to be put in forbearance if they needed more time to process the application. I received a reply stating that they show I am on the level plan and have a payment of {$XXXX  ( possibly reflecting the {$XXXX payment I made due on XX/XX/XXXX ) due on XX/XX/year>.
Product: Credit card or prepaid card

Chase has  sent me   XXXX  c redit cards  (   Amazon Prime C hase credit card ) without me applying for them  :   XXXX   last y ear around   XX/XX/XXXX  and  XX/XX/XXXX and  XXXX  last month (    XXXX  2017 ).    I did not apply for any of the    XXXX    cards.   All  XXXX  times, I called Chase and was transferred to the fraud department. But I still got another card in the mail  ( new account number each time )  after the  XXXX  and  XXXX  cards and phone calls. Now Chase has issued me another card just last month.   I have never been an  Amazon Prime membe r and have never requested a credit card from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of   XXXX   XXXX    2017 and  spok e with a US represent ative from which I did n't get anything but a hard time and someone who belittled me. On   XXXX   XXXX    2017, I  sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to   XXXX    which was delivered at  XXXX    XXXX   on   XXXX   XXXX    2017 in   XXXX , PA  XXXX  asking them to investigate. On   XXXX   XXXX    2017,    XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Experian which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX    XXXX   on  XXXX   XXXX ,    2017 in   XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX    XXXX   on  XXXX   XXXX ,  2017 in    XXXX , GA  XXXX . According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any   information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Product: Debt collection

Collector : National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX   has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.
Product: Credit reporting or other personal consumer reports

There are two hard inquiries on my credit report from Target and XXXXXXXX XXXX XXXX. I have not applied for a credit card from either one of those companies.
Product: Credit reporting or other personal consumer reports

I have sent certified letters and a FTC report as well a copy of my id n ss card to Equifax XXXX XXXX and these agencies are still reporting inaccurate information .per The Law 15 U.S.C 1681 and U.S.C 6802 these agencies are reporting different late payments on this account in which I have stated several times to these agencies is not my account. the hardship they have caused me is very overwhelming they have violated my rights per ( FCRA ) in which I am promised accurate reporting might I state that XXXX deleted this inaccurate information immediately from my credit file
Product: Debt collection

United Revenue has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I never received notification from the debt collection company PRIOR to add this to my credit report which is a violation of the FCRA laws. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. 
The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

This account is reporting to experian only has been removed from the other credit bureaus due to inaccurate reporting of the alleged debt. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and United Revenue Corp. which is not true. I have never had a contract with this debt collection company. 

There is another violation is showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ex : Late payments and inaccurate reporting dates XXXX XXXX XXXX XXXX XXXX or XXXX? 

I've disputed online and mailed the 3 credit bureaus twice this year on investigating and updating the 3 closed accounts for the payment statuses are inaccurately reporting on my credit report. All 3 consumer agencies are reporting something different for each one however all continue to come back verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It 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 XXXX  Account # XXXX, XXXX, 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 If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but XXXX and Transunion have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) | didn't give written consent permission to have these accounts furnished on my TRANSUNION, consumer report. I HAVE MADE A POLICE REPORT OF IDENTITY THEFTVIOLATION POLICE CASE XXXX THE ACCOUNT IS XXXX ACCT XXXX XXXX ASKING THAT THIS ACCOUNT TO BE REMOVED FROM MY ( TRANSUNION ) CONSUMER REPORT. THANK YOU VERY MUCH IN THIS MATTER. THANK YOU IN ADVANCE GUYS
Product: Debt collection

ID FRAUD VICTIM ALERT FILED XXXX MY IDENTITY HAS BEEN USED WITHOUT CONSENT TO OBTAIN GOODS OR SERVICES.