23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Product: Credit reporting or other personal consumer reports

I do Not recognize the following credit inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I have asked for them to be removed by the Credit bureaus and they have not done so. 

I am attaching an Identity theft report. 

I am requesting for these inquiries to be removed ASAP. 

They are inaccurate.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that my file has been compromised. Again, I was going through my records & noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX*which do not belong to me. I have sent a letter to Equifax on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX  fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Product: Debt collection

This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone
Product: Credit reporting or other personal consumer reports

This is the XXXX time asking.. XX/XX/year> I called over the phone and had all names that I don't go by to be removed. All the address that don't belong to me to be removed. Have any jobs removes from my credit report as well. 
Today I received a updated report from you thanks for sending it.. however these names and address are still on there when I called and did this over the phone at the time l. So why are they back on my report again? Please remove the names and address they don't belong to me.. 

Please remove address 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 Please remove these names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian put these back on my credit after telling them to take them off over 1 year ago.. this is my credit report and the refusal to remove these are violation of my rights since they were taking off last year in 2024 and put back on.. 

Once you do this please send a updated report to me showing the deletions again.. 

PLEASE TAKE NOTE : I have send XXXX XXXX information on my address and ss #. Plus passport info..I will as well send Experian. And XXXX as well the same paper work. 

AS WELL please take note : I do not file taxes there is no law stating I do not have a driver 's license because there is no law to have one I do not have a mortgage yet.
Product: Debt collection

This is not my debt. I have never done business with this company yet they continue to harass me and threaten to keep calling no matter what I tell them. I asked them to send me proof that I signed up for their service and they said they don't have to do that.
Product: Debt collection

consumer is asking that this matter please be forwarded to the FTC for more thorough investigation as the company persistently violates the consumer with no remorse. This company has not sent the ORIGINAL INSTRUMENT OF INDEBTEDNESS and has refused to accurately and efficiently VALIDATE this debt and therefore, by law, it MUST BE DELETED. This is the last attempt on the consumers behalf to resolve this dispute in good faith before proceeding with civil court filing.
Product: Credit reporting or other personal consumer reports

[ TransUnion ] did not provide ME [ The Consumer ] with supporting documentation as part of their investigation that clearly evidences my written or digital consent to the financial institution XXXX to furnish and distribute my information to any third-parties in clear violation of my FERPA rights Additional Citations of Consumer Rights Violation by TransUnion through their furnishing and distribution of my personally identifiable information without furnishing supporting documentation to ME the consumer within the allotted investigation period within my rights as the consumer per 15 U.S.C. 1681n.

15 U.S.C. 1681n 15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 6802
Product: Debt collection

XX/XX/XXXX I received a message from XXXX with Nobilis Credit Management LLC stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XXXX and spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a XXXX at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.
Product: Student loan

When I reviewed the notice Mohela would be my new lender. I created my user account and seen it said I was on administrative forbearance and did not have an upcoming payment. I reached out multiple times for clarification. They did. It respond. The next month I received a notice I was late on a payment. I reached out to through their online messaging and phone to explain the situation. I chose to pay my monthly payment but it continues to state one payment missed Another issue is with my PSLF, it states I need my employer to certify my employment but I have already done this. 
It also has a previous employer from 2016. I have reached out to please update my current employer and my PSLF documents. I have not received any response. 
I am deeply concerned my payments are not being processed properly and information is incorrect which will lead to me not qualifying for my 120 payments. I have been in college with loans for 18 years and interest has accumulated massively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Majr Financial Corp.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Debt collection

Fifth third bank your employee in XXXX XXXX Michigan bank location the same location where is the city and XXXX both associated with where XXXX XXXX XXXX XXXX lives a State employee that stole my XXXX card for over XXXX years and possibly getting my social security checks but has a different DOB and Social security administration I strongly urge you to search for the XXXX by my SSN number alone because XXXX told me XXXX is at your bank of mine under my SSN number. This sounds like a bank scam through identity theft. Also, a XXXX XXXX fake SSN number XXXX at XXXX XXXX XXXX XXXX MI XXXX my identity theft XXXX is there and possibly over XXXX years of missing SSI.
Product: Mortgage

I paid my mortgage of XXXX on XX/XX/XXXX and Oceanside continues to harass me. The issue is that my XXXX mortgage payment of {$2500.00} was incorrect and does not reflect the agreement to spread escrow over 69 months. This caused my mortgage to be behind by {$260.00}. I set up payment arrangements and I continue to receive letters that I am in default when I have had no issues paying my mortgage by the end of the month. I have contacted the company with no luck. This is my third complaint. My next step is fixing lawsuit against Oceanside.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these names immediately from the personal information section on my credit file. I have NEVER been known by these names! 

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 Remove these addresses from my credit file under the personal information section on my credit file. NEVER lived there! 

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

The account XXXX XXXX XXXX XXXX  XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting XXXX late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction with the handling of my previous dispute regarding unauthorized hard inquiries on my credit report, initially submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), I requested an investigation which has not been resolved satisfactorily. The details of the unresolved inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite my previous communication, these inquiries still appear on my credit report. Their presence suggests a failure on Experian 's part to adequately investigate the dispute as mandated by the FCRA. This oversight continues to negatively impact my credit score and could be misinterpreted as negligence towards consumer rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I feel I being Discriminated against because I am XXXX American.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor Experian reports reflect this information. In fact, both show that as recently as  XXXX   XXXX  , 2017, the accou nt was still reporting a {$360.00} balance owed and is still in collection status.     This account does not appear on my  XXXX  file.
Product: Mortgage

I have a mortgage serviced by CitiMortgage Inc., account number XXXX. They have sent me a XXXX page letter explaining that they need to raise the monthly escrow payment about {$42.00} per month or {$500.00} per year. BUT NOWHERE DO THEY EXPLAIN HOW THEY CALCULATED THE " Expense Increase ''. My mortgage escrow is for taxes only. Taxes are collected in XXXX and XXXX. The XXXX payment and the XXXX payment are the same ( within one penny ). The XXXX payment was {$5600.00}, and I reckon the XXXX payment will be no more that {$5600.00}. Last year 's XXXX bill was XXXX, so there was an annual increase of about {$300.00} between XXXX and XXXX. The stated Low Point in XXXX was {$1400.00}! And they collect {$930.00} each month. If you escrow the tax payment ( {$5600.00} x XXXX / XXXX ), it equals {$940.00} per month, not the {$960.00} that Citimortgage is demanding. Moreover there will be over a {$1000.00} or XXXX % surplus in the mortgage account. Please investigate this unlawful practice. Where does it say that I have to have two month 's reserve at all times? In another place in the XXXX page form, they say that the miscalculation between XXXX XXXX and XXXX XXXX was only {$120.00} not {$390.00}. I do n't need pages of explanation. I need hard facts as to why they think the taxing authority is going to raise taxes in XXXX XXXX that would equal a XXXX % increase from XXXX taxes. Please help. I have no legal recourse except through you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i was sent to claims for an unpaid balance of {$2100.00} for a storage unit in XXXX XXXX, CA. I did not rent it my landlord rented it, I closed the rental and returned the keys and I moved out of the country. I received a call from Allied Collection Services saying I owe for 2 months rent for a storage unit. I never rented it and how can I rent it if I am in another country, they never sent proof. I asked both XXXX and XXXX to remove it from my credit report on XX/XX/XXXX and I filed a ID Theft report on XX/XX/XXXX. Neither have removed it and XXXX sent an update on XX/XX/XXXX that was not an update, only the original dispute paperwork, they just replied with the application.
Product: Credit card or prepaid card

I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.
Product: Debt collection

Sent Letter to National Credit Adjusters in XX/XX/XXXX, requesting them to validate debt that says I owe them {$1000.00}. Which I notice from my credit reports. They did not send me anything prior to me writing to them or following month, after my notification in writing. I sent a second Letter asking the company to remove the information from my credit report. Since they did respond to my first letter asking them to validate information and who they were .What I did notice was they removed them selves from my credit report between the months of XX/XX/XXXX, XX/XX/XXXX and then returned back to credit reports on XX/XX/XXXX. On XX/XX/2019 National Credit adusters Sent inofrmation with list of alleged Charges that do not added up to the amount that, show on my credit reports. And pages that do not show that I owe National Credit Adjuster or a original Contract with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to amicably solve this issue with Equifax. They have failed to provide me with a proper reinvestigation per my rights under the FCRA. The following accounts need to be properly reinvestigated or they need to be permanently removed from my consumer report. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX