23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

from  XXXX -2017 I have been asking AMSHER COLLECTIONS SERVICES for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXXXXXX XXXX  - XXXX
Product: Student loan

Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.
Product: Checking or savings account

My name is XXXX XXXX. My s.s. # is XXXX. My DOB is XX/XX/XXXX. On XXXX XXXX I received a credit alert via XXXX to advise me that a account was open with Vystar Credit Union. I called this bank and initially they advised me that they can not close the account until I file a police report. I ran to the police station and filed the report. The case number is XXXX. The officer is XXXX XXXX. Her badge # is XXXX. Her phone number is XXXX. Finally once I left the police department, after pleading with the bank, they agreed to place a hold on account and advised me that they did not see any activity other than a deposit of {$5.00}. Im very concerned as my husband and I have had very weird incidence since our information was compromised with XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Product: Checking or savings account

While receiving the child tax credit my bank NAVY FEDERAL CREDIT UNION " decided to cover my over draft for a few months before actually informing me. 
Once I had hot XXXX $ in over drafts they covered they explained to me it was a bank credit because they lawfully had to XXXX XXXX 100 % access to my tax credit of XXXX each month. 
Why they didn't just put the money in my savings account is beyond me. 
ANY WAY the bank calls or texts me about everything ... not this time they had sent a email a month prior saying I had to set up a payment arrangement that I didn't get receive I didn't know anything about this And it was never mentioned on my banking app or anytime I. Called so they decide to increase .my over draft limit from XXXX $ to XXXX  $ with out informing me at all and kept my entire paycheck. 
They said legally it's not a garnishment because they were over drafts that they added up for XXXX months and then allowed that over draft to go through. 
The maximum. I've ever been able to use of a over draft at nfcu has been XXXX XXXX 
So I asked to set a payment arrangement up explained I had been off work for a week do to covid and that I had bills due like rent and I needed money to get back XXXX forth to work with I was told absolutely not my account was still active they were keeping what was owed
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$20.00} ; DEPT OF EDXXXX XXXX Balance : {$670.00} ; DEPT OF ED/XXXX XXXX Balance : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced my student loans, thought Department of Education- XXXX XXXX my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Product: Debt collection

I keep getting harassed by a debt collector named Collecto , Inc . They do business as EOS CCA. After I kept getting calls from them, I sent a certified letter to them just like the FTC and CFPB advise consumers to do. In my letter, I told them I disputed the debt, and I told them, " Please don't call me. '' I also told them that they had the wrong number. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sued them. They removed the case to federal court and then ... .wait for it ... .they still called me. So I sued them again. They still called me. So I sued them again. They still called me. 

When they call me, they are using an automated telephone dialing system. I know this because they call me and then hang up on me.

They have already admitted in federal court that I don't have an account with them or owe them money, but the harassment continues.

Collecto is now DELIBERATELY calling me and hanging up because they want to retaliate against me for suing them. 

This is ridiculous and I want it to stop.
Product: Credit reporting or other personal consumer reports

Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.
Product: Debt collection

CRA violation no knowledge of the fraudulent XXXX XXXX XXXX appeared on my Equifax credit report. FTC ID report # XXXX
Product: Mortgage

XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX  XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to Experian, XXXX XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact Experian but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect.

EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX  30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Product: Checking or savings account

XXXX the XXXX I called Chime because my account had been hacked into some one took XXXX out my savings and sent it to. Checking and transfer the money to another account.. previously I had to cancel XXXX because their where XXXX transactions on my card I did not do. 2 of them was from XXXX 's and another one was from XXXX XXXX. Chime sent me a email XX/XX/XXXX saying they seen no errors.. They never looked at those other 3 transactions that was done to see that their is a issue.. I then filed a complaint with XXXX Chime admits to doing a 3 day investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit
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 XXXX, XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX : Account name : XXXX XXXX XXXX** Account name XXXX XXXX  XXXX Account name XXXX 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 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 XXXX 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$6600.00}
Product: Debt collection

Re-Inserted accounts violate the FCRA and needs to be remove permanently.
Product: Credit card or prepaid card

Applied and was accepted by American Express Gold Corporate Account. In the course of Activity, parties unknown accessed the account, illegal created 4 addtional accounts, continued to cahrge with out authorization using the Company Name and American Express. It appeared to this former Company Officer that Company Vendors and Merchants were used to access Company Charging Activity to develope customer profile of sole authorized user. In additon, XXXX XXXX XXXX indicated that the legitimate Company Charging Activity was not recorded in the proper Calendar Year of 2015. Individual Transactions, hard copy records in possession of sole authorized user, currently inacccessible. However, this user has in Response to American Express Collection Attempts which included State Supreme Court Action, requested in writing and verbally over recorded collection telephone conections with American Express Call Center and Fraud Operations Staff requested copies of the entire active account history in attemps to located illegimate transactions to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXXXXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 Bankruptcy - XXXX XXXX  - XX/XX/2024 XXXX XXXX - XX/XX/2024
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 My Credit score on TransUnion dropped XXXX points for a remark ( XXXX XXXX XXXX XXXX  that was disputed and removed from my credit report, but I did not receive my XXXX points back.